If you want to collect Atmos Rewards points to use on flights with Alaska Airlines and Hawaiian Airlines, you may be interested in applying for one of these co-branded credit cards.
this Atmos™ Rewards Ascent Visa Signature® Credit Card and Atmos™ Rewards Visa Signature® Business Card There are two mid-tier options to consider. Even if you’re not a business owner, you can still get approved for an Atmos Rewards business card.
Besides the value of Atmos Rewards points, another reason to consider these cards is that they are both issued by Bank of America. This is important if you’ve reached your American Express card limit or are subject to Chase’s 5/24 rule.
In this case, looking to other banks for your next credit card is a smart strategy.
Let’s take a closer look at both cards and see how they differ.
Atmos Rewards Ascent vs. Atmos Rewards Business Comparison
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$95 ($70 per company, $25 per card) |
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Earn 70,000 bonus points and $99 companion fares (plus taxes starting at $23) after you spend $3,000 in the first 90 days of account opening. |
Earn 70,000 bonus points and $99 companion fares (plus taxes and fees starting at $23) after you spend $4,000 in the first 90 days of account opening. |
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*When you use your card to purchase flights
Atmos Rewards Ascent and Atmos Rewards Business Welcome Bonus
personal Atmos reward enhancement Currently, new cardholders have the opportunity to earn 70,000 bonus points and a companion fare of $99 (plus tax starting at $23) after spending $3,000 within 90 days of account opening.
at the same time, Atmos rewards business New cardholders can earn 70,000 bonus points and $99 in companion fares (plus taxes starting at $23) after spending $4,000 in purchases within 90 days of account opening.
According to TPG’s January 2026 valuation, Atmos reward points are worth 1.45 cents each. Therefore, the points included in these offers are worth $1,015.
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winner:rise. Although the bonus points are the same as the companion fare, the minimum spend requirement is lower.
Atmos Rewards Ascent and Atmos Rewards Business Advantages
Both cards have the same benefits.
travel benefits
When you use your ticket to pay for your flight Atmos reward enhancement or Atmos rewards businessyou and up to six guests on the same reservation will receive:
companion fare
Both cards include annual companion fares, one of the most generous airline credit card benefits. Effectively, it’s a buy one, get one free deal (plus tax).
However, and here’s the big catch, you must have spent $6,000 or more in the previous anniversary year to earn companion fares with any card (except any card with a welcome bonus).
When you book a round-trip economy ticket on Alaska Airlines or Hawaiian Airlines, you can use a companion fare to book a second ticket on the same reservation, starting at $122 (fares start at $99, plus tax, at $23).
Companion fares must be redeemed within 12 months of issue, but actual travel can take place after this, extending their validity to almost two years. Even better, both travelers can earn full points on the flight and be eligible for an upgrade.
Cardholders don’t even have to fly, but they do have to pay for their flights using their Atmos Rewards card. Depending on how you redeem your companion fare, it can be worth hundreds of dollars.
This is especially true on some of the airlines’ more expensive routes, such as between the continental U.S. and Hawaii, and can completely offset either card’s annual annual fee.
elite status
Both cards also earn tier points based on spending, helping you strive for elite status. The rate is 1 tier point per $3 spent, with no upper limit.
Discount
Both cards offer $100 off an annual Alaska Lounge+ membership when you pay with the Atmos Rewards card.
In addition, cardholders can enjoy a 20% discount on in-flight food, beverages and Wi-Fi.
winner: tie.
Earn points with Atmos Rewards Ascent and Atmos Rewards Business
Here are the overlapping earning rates for the two cards:
- Earn 3 points per $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases
- Earn 2 points per $1 spent at electric vehicle charging stations, gas stations, and local transportation (including ride-hailing services)
- Earn 1 point per $1 spent on all other purchases
personal Atmos reward enhancement Also earn 2 points per dollar spent on cable TV and select streaming services, while Atmos rewards business Earn 2 points for every $1 spent on shipping.
winner: tie. The yields on both cards are similar.
Redeem points for Atmos Rewards Ascent and Atmos Rewards Business
There are several valuable ways to maximize your Atmos reward points.
For short-haul flights on Alaska Airlines, such as from Portland, Ore., to San Francisco, you can redeem up to 5,000 Atmos bonus points per leg of your trip. Even for long-haul flights, economy class awards typically start from 12,500 points.
If you prefer a first-class experience, long-haul domestic flights usually cost 50,000 points, but first-class on shorter flights can be as low as 15,000 points per leg.
TPG Credit Cards Editor-at-Large Matt Moffitt considers Atmos Rewards points his favorite airline currency. He recently redeemed 55,000 points (plus $18 in taxes and fees) for a one-way flight from Chicago to London on American Airlines’ flagship business-class product.
winner: tie. Both cards earn Atmos Rewards points and tier points and offer the same redemption options.
Should I get Atmos Rewards Ascent or Atmos Rewards Business?
Since business cards are very similar, the main deciding factor is whether you qualify for one. If you do this, make your choice based on your spending habits: You can make more money by buying shipping Atmosphere businesswhile cable and streaming services favor Atmospheric rise. Since they are separate products, eligible business owners can apply for both products at the same time to receive two welcome bonuses and two annual companion fares.
bottom line
both Atmos reward enhancement and Atmos rewards business Offering excellent long-term value with generous companion fares, valuable Atmos bonus points and travel benefits.
With an annual fee of less than $100, it can easily pay for itself with just one redemption, especially on expensive routes like round-trip Hawaii and cross-country flights.
For frequent travelers flying to Alaska or Hawaii, either card is a smart addition to your wallet, and holding both cards unlocks even greater rewards.
To learn more, read our full reviews of Atmos Rewards Ascent and Atmos Rewards Business.
Apply here: Atmos reward enhancement
Apply here: Atmos rewards business
