Bank of America
Atmos Rewards Ascent Visa Signature® Card
Annual Fee
$95
Bonus Value
$980
Min Spend
$2.5K/3mo
Current Welcome Offer
70,000
Atmos Rewards Points — worth ~$980
Spend $2,500 in 3 months
Typical OfferVerify offer with issuer
No automated verification
Personalize
Will you be approved for this card?
Take the 1-minute Approval Predictor and we'll show your odds on every card.
Directed to Bank of America's secure application · We may earn a commission
Key facts
| Annual fee | $95 |
|---|---|
| Welcome bonus | 70,000 Atmos Rewards Points after $2,500 spend in 3 months |
| Bonus value estimate | ~$980 |
| Points program | Atmos Rewards |
| Card network | Visa |
| Foreign transaction fee | None |
What you get
All 3 perks ↓Perks/yr up to
$412
Annual Fee
$95
Covers fee
4.3×
Historical Intelligence
Offer history & timing
Current
70,000
Average
70,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 70,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on limited history.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Worth keeping for ongoing value (~$267/yr after bonus)
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 70,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Value
First-year value estimate
Conservative
+$267
65% benefit utilization, minimal travel redemptions
Realistic
+$267
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$267
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$267/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $412/yr in benefits
🛫airline credit
Companion Fare
$300/yr
Annual companion fare — buy one ticket and a companion flies for just taxes and fees plus $99.
Alaska/Hawaiian Airlines flights; companion pays taxes/fees + $99
Free Checked Bag
$70/use
First checked bag free for cardholder and up to 6 companions on the same reservation.
Alaska/Hawaiian Airlines flights; cardholder + up to 6 companions
🎁other
Anniversary Bonus Points
$42/yr
3,000 bonus Atmos Rewards points credited each account anniversary (~$42 value at 1.4 cpp).
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Frequent flyers with a preferred airline wanting companion benefits
Not Best For
- People seeking a no-annual-fee option with similar rewards
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
70,000 Atmos Rewards Points
Last verified
May 12, 2026
Annual fee
$95/year
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
Alternatives
Compare with similar cards
Alternatives
Consider these cards instead
Chase
United Explorer
Step-up option with more premium benefits for heavy travelers.
$150/yr
80,000 pts
View review
Chase
United Quest
Step-up option with more premium benefits for heavy travelers.
$250/yr
90,000 pts
View review
Chase
SW Priority
Step-up option with more premium benefits for heavy travelers.
$229/yr
75,000 pts
View review
FAQ
Frequently asked questions
Is the Alaska Airlines Visa Signature Card the same as the Atmos Ascent?
Yes. The Alaska Airlines Visa Signature Card was renamed the Atmos Rewards Ascent Visa Signature® Card — it's the same product line, just rebranded with refreshed benefits. Existing Alaska Airlines Visa Signature Card holders were transitioned to the Atmos Ascent automatically and kept their account, so reviews and data points for the "Alaska Airlines Visa Signature Card" still apply.
What's the current Atmos Ascent welcome bonus?
70,000 Atmos Rewards Points after spending $2,500 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the Atmos Ascent worth the $95 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$980 estimated cash value) plus up to ~$412/yr in tracked benefits and credits typically covers the $95 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
What are the main benefits of the Atmos Ascent?
The highest-value benefits we track on the Atmos Ascent: Companion Fare (~$300), Free Checked Bag (~$70), Anniversary Bonus Points (~$42). Combined tracked benefit value is up to ~$412 per year against the $95 annual fee. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
What credit score do I need for Atmos Ascent?
Realistic target: 690+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 690+ is the floor for reliable approval on cards in Atmos Ascent's tier. Income, debt-to-income ratio, and existing relationship with Bank of America also matter — use our Approval Predictor for a more personalized estimate.
What credit limit does the Atmos Ascent come with?
Bank of America doesn't publish credit limits for the Atmos Ascent — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
Atmos Rewards Ascent Visa Signature® Card
Current offer: 70,000 Atmos — worth ~$980
View Official OfferBank of America's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Atmos Ascent
70,000 Atmos offer