(NEW OFFERS) Atmos Rewards Personal Credit Cards Comparison & Reviews

Atmos Rewards Personal Card Comparison

A premium Alaska Airlines credit card was a long-awaited addition to the credit card space. Atmos Rewards are some of the most valuable miles out there, and the Atmos Rewards Summit Visa Infinite Credit Card comes with quite a few perks. Let’s dive into this card, and see how it stacks up against the lower-annual-fee Atmos Rewards Ascent Visa Signature card too. That said, both remain over 5/24 cards.

**The offer links in this article have been collected independently by Travel on Point(s) and are direct offer links.

Credit Card Earning Structures

We will break down the earning rates in our Atmos Rewards personal card comparison:

Atmos™ Rewards Summit Visa Infinite® card

• 3x points for every $1 spent on eligible purchases for the following:
  • Alaska Airlines
  • Hawaiian Airlines
  • Dining
  • Foreign purchases
• 1x point for every $1 spent on all other purchases. Points don’t expire on active accounts.
• Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.

Atmos™ Ascent Visa Signature® card

• 3x points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases
• 2x points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including rideshare) purchases
• 1x points per $1 spent on all other purchases. Points don’t expire on active accounts.
• Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.

Card Benefits

We will break down the card perks in our Atmos Rewards personal card comparison:

Atmos™ Rewards Summit Visa Infinite® card

It’s great to see Bank of America break away from the coupon trend that we have seen on premium cards. They came up with some intriguing options that are actually, you know, in line with what an airline traveler wants.

Waived Partner Award Booking Fee

This avoids a $20 fee per person, per way, when booking a partner award.

Global 25K Companion Award

Receive an Anniversary Global 25K Companion Award, worth up to 25,000 points, within the first 2 billing cycles after the anniversary date each year.

Flight Delay & Cancellation Perk

• Receive a $50 voucher for Alaska Airlines flight cancellations or departure delays of 2 hours or more.
• On flights marketed by Alaska Airlines and operated by Alaska Airlines, Hawaiian Airlines, Horizon Air or SkyWest

Points Sharing

• Points Sharing is a Card Program feature that enables the Primary Cardholder to be eligible to initiate linkage and share points between a network of up to 10 additional Atmos™ Rewards accounts.
• The normal fee for this is $10 per 1,000 points transferred.
• Cardholders may only be part of a single Points Sharing network.
• After initial linkage, the Primary Cardholder can only change each linked Atmos™ Rewards account once every 12 months.

No Change Fee

Change fees are waived when you need to make a same-day change to your Alaska Airlines flight plans.

Free Checked Bag

For you and up to 6 guests traveling on the same reservation when you purchase Alaska or Hawaiian airfare on the card.

Partner Program Points Transfer (We don’t recommend using this feature)

The Primary Cardholder is eligible for points transfers to participating partner programs: IHG One Rewards – 1 to 1 for a limited time; Marriott Bonvoy – 1 to 1; Wyndham Rewards – 1 to 1; I Prefer Hotel Rewards – 1 to 2; Shangri-La Circle 8 to 1

Status Boost

Get 10,000 status points every year on your account anniversary.

Preferred Boarding

• The cardholder and up to 6 guests traveling on the same reservation are eligible for preferred boarding.
  • Cardholders and their eligible guests can board the plane before general boarding
• Preferred boarding is only available on flights marketed by Alaska Airlines and operated by Alaska Airlines, Horizon Air, or SkyWest.

Spending Perks & Bonuses

Here are some perks and bonuses that you can unlock by spending a lot of money on your Atmos Rewards Summit Visa:

• Global 100K Companion Award 
  • The Global 100k Companion Award is a discount on an award flight booking on Alaska, Hawaiian and partner airlines for up to 100K miles. You can pay anything above that amount, but you lose anything that is less than 100K.
  • Receive one every year you spend $60,000 or more on purchases in that anniversary year.
• Status Points Earning
  • Earn 1 status point for every $2 spent on purchases.

Other Perks

• Lounge Passes: 8 Alaska Lounge passes each year (2 per calendar quarter).
• Wi-Fi Passes: 8 Wi-Fi passes each year (2 per calendar quarter).
• 20% Discount For Onboard Purchases: Cardholders will receive a 20% rebate, in the form of a statement credit, on all onboard Alaska Airlines / Hawaiian Airlines food, beverage, and Wi-Fi purchases using your card as your method of payment
• Exclusive Bar Lounge Perk: Through 2026, cardholders may receive up to 2 complimentary signature cocktails or a selection from the elevated bar menu upon showing their Atmos™ Rewards Summit Visa Infinite® card (physical card or digital wallet) to the lounge bartender. 
• TSA PreCheck or Global Entry Credit: Up to $120 Airport Security Credit every four years in connection with the TSA PreCheck^® or Global Entry trusted traveler programs.
• No Foreign Transaction Fees

Atmos™ Ascent Visa Signature® card

• Annual $99 Companion Fare: Receive a $99 Companion Fare (plus taxes and fees from $23) on Alaska Airlines or Hawaiian Airlines-operated flights within North America, including Hawaii, after you spend at least $6,000 on purchases with your card each year.
• Free checked bag and preferred boarding for you and up to 6 travelers on the same reservation on Alaska Airlines and Hawaiian Airlines flights purchased with the card
• Earn 1 status point for every $3 spent on purchases.
• 20% back on all Alaska Airlines and Hawaiian Airlines in-flight purchases
• $100 off an annual Alaska Lounge+ membership purchased with the card
• No foreign transaction fees

Bank of America Application Rules

Be sure to check out our application rules for all major credit card issuers guide for more detail. Here are the main rules to consider with Bank of America if you were going to apply for the Atmos Rewards Summit Visa:

The Bank of America 2/3/4 Rule

Bank of America has what’s known as the 2/3/4 rule: generally, you can be approved for at most

• 2 Bank of America cards in a rolling two-month period
• 3 Bank of America cards in a rolling 12-month period
• 4 Bank of America cards in a rolling 24-month period.

Bank of America 3/12 & 7/12 Rule

There are also 3/12 and 7/12 rules, and which one you fall under depends on if you have a checking account with them or not. If you do not have one then you fall under the 3/12 rule. If you have gotten more than 3 new personal cards in the past 12 months (from all banks) then you will likely be denied. The good news is that if you have a checking account with Bank of America then that goes up to 7 new personal cards in the past 12 months. From the data points I have seen, and have myself, it doesn’t seem like business cards count. This doesn’t seem to always be enforced in my personal experience. It does show that if you have a checking account with Bank of America then you will have better approval odds though.

ToP Analysis

We break down our overall thoughts in our Atmos Rewards personal card comparison:

Atmos™ Rewards Summit Visa Infinite® card

We like the Atmos Rewards Summit Visa credit card quite a bit for people for who are over 5/24 and are loyal to the Atmos (Alaska) program. This card offers good value even if you never fly Alaska Airlines, because Atmos smartly made many of these perks useful for partner flights too.

Companion Certificates & Partner Award Fees

These are arguably the best ones available on the market. It should be pretty easy to find a flight for 25,000 miles or more on Alaska or its many partner airlines. This perk alone could offset a huge chunk of the annual fee for many.

Lounge Access & Delay Credit

The $50 credit for delays is another outside-the-box, unique perk of the card. It was interesting to see them break out the lounge access a bit. To be fair, Delta did it first with their recent changes. If you are a hub captive, then you likely would have liked to see unlimited access. For the rest of us this is likely enough, and it probably kept the annual fee a few hundred dollars cheaper than it would have been.

Earning Structure

The last thing that is worth mentioning is the earning structure. Usually airline cards are not known to be great earning vessels, and this card is not much different. But, the Atmos Rewards Summit Visa at least offers something that could come in handy with 3x on international purchases. This could make it your go-to credit card while abroad.

What about the Atmos Rewards Ascent Visa Signature card?

The premium Summit card’s perks may be more enticing to most. But if you’re looking for a lower annual fee card, this card has some appeal, too, especially when it has an elevated offer.

Why These Are Still Over 5/24 Cards

Yes, this review is mostly positive, with each card offering decent earning structures and interesting perks. But these are still over 5/24 cards. Why? Because they will still be there when you get past 5/24. These cards launched last year and aren’t going anywhere.

Atmos Rewards Personal Card Comparison: ToP Thoughts

There is a lot to like about the Atmos Rewards Summit Visa credit card. We would put it up near the top of the airline credit card space, probably a notch or two below the Chase Aeroplan card. Bank of America didn’t coupon-ify this one or look to outside vendors to help carry the value of their credit card. If you’re looking for a lower annual fee card, the Ascent could be a good pick. These are worthy tools to have in your belt if you value the Atmos program—just once you are past 5/24. What are your thoughts on these cards? Tell us over in the ToP Facebook group.