The Atmos Rewards Ascent Visa Signature Credit Card is an attractive option for frequent flyers seeking robust rewards and practical benefits. With a limited-time offer of 80,000 bonus points and a $99 Companion Fare (plus taxes and fees starting from $23) available after spending $4,000 on purchases within the first 120 days, this card brings substantial value. The card also offers an annual $99 Companion Fare when you spend at least $6,000 each year. Its $95 annual fee and no foreign transaction fees are appealing for those who travel internationally.

The purchase APR is variable, currently hovering between 19.99% and 27.99%, which is typical for rewards credit cards in this category. Cardholders benefit from 3 points per $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases, 2 points per $1 spent on categories like gas, EV charging, cable, streaming, and local transit, and 1 point per $1 on all other purchases. An added 10% rewards bonus on all points is granted when you have an eligible Bank of America account, further enhancing your earning potential.

Additional standout features include a free checked bag for the cardholder and up to six guests on the same reservation and preferred boarding when booking flights with the card. No blackout dates on Alaska and Hawaiian Airlines flights add to the card’s flexibility, making it well-suited for consistent travelers seeking convenience and rewards.

How to Apply for the Atmos Rewards Ascent Visa Signature Credit Card

Applying for the Atmos Rewards Ascent Visa Signature Credit Card involves several straightforward steps. Begin by gathering your financial and personal identification documents required for verification during the application process. Ensure you meet the eligibility requirements, such as legal residency and minimum age.

Next, fill out the online application form provided by the bank, entering your personal, employment, and income information. Review all terms and disclosures closely to understand your responsibilities as a cardholder. Once complete, submit your application for processing. The decision is usually communicated quickly, with approval contingent upon creditworthiness and verification checks. Upon approval, you’ll receive your card by mail and can activate it to start making purchases and earning rewards right away.

Pros of the Atmos Rewards Ascent Visa Signature Credit Card

This card stands out for its generous sign-up bonus—80,000 points plus a $99 Companion Fare for spending $4,000 in the first 120 days. Additionally, it rewards loyal users with another $99 Companion Fare annually for $6,000 spent, a valuable benefit for families or frequent travelers who take advantage of the companion perk year after year.

Flexible points earning—3 points per dollar on eligible airline spend and 2 points per dollar on transit, streaming, and utilities—accelerates your ability to use points toward award flights. Free checked bags for your travel party and preferred boarding enhance the travel experience, potentially offsetting the annual fee’s cost.

Cons of the Atmos Rewards Ascent Visa Signature Credit Card

The annual fee of $95 may be a drawback for occasional travelers who cannot maximize the bonus, companion fare, or checked bag benefits. Additionally, the bonus and enhanced earnings are heavily tilted toward Alaska Airlines and Hawaiian Airlines purchases, which may not be ideal if you frequently fly on other carriers or live outside their service areas.

The relatively high variable APR (19.99%–27.99%) means carrying a balance could become costly—so it’s best for users who pay off their statements in full each month. Those seeking a lower interest rate or broader reward applicability outside airline and travel purchases might consider a different card.

Verdict

The Atmos Rewards Ascent Visa Signature Credit Card is a compelling fit for an airline loyalist or frequent traveler who can leverage airline-specific perks, bonus points, and annual companion fares. The card’s structure is less advantageous for those who rarely use Alaska or Hawaiian Airlines, but for its target users, the value is hard to beat. If maximizing rewards on travel spending with valuable airline benefits is your goal, this card belongs at the top of your consideration list.