Alaska Airlines Visa Signature (Atmos Rewards Ascent)
Bank of America · Airline review
Alaska and Hawaiian Airlines flyers — especially on the West Coast — who want an annual $99 companion fare (plus taxes a
Sorted by score, never commission
Annual fee
$95
Charged each renewal year
Ongoing APR
19.49% – 27.49% variable
Variable — verify the current range at the issuer
Foreign transaction fee
None
Travel-friendly abroad
As of July 17, 2026
Best for
Alaska and Hawaiian Airlines flyers — especially on the West Coast — who want an annual $99 companion fare (plus taxes and fees from $23), a free first checked bag, priority boarding, and 3x points on Alaska/Hawaiian purchases, with no foreign transaction fee. Bank of America renamed the card the Atmos Rewards Ascent Visa Signature after Alaska and Hawaiian merged their loyalty programs into Atmos Rewards.
Not for
Travelers who rarely fly Alaska or Hawaiian (the companion fare requires spending $6,000+ in the prior anniversary year) and anyone wanting flexible points — Atmos Rewards points (formerly Alaska Mileage Plan miles) are valuable but locked to Alaska, Hawaiian, and their partners.
The catch
The $95 annual fee is not waived in year one, so value has to start immediately — and it usually does through the companion fare, which can exceed the fee on a single use. The card only makes sense if Alaska or Hawaiian is genuinely in your rotation; existing cardholders kept the same account and terms through the Atmos Rewards rebrand, no reapplication needed.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $95
- Ongoing APR
- 19.49% – 27.49% variable
- Foreign transaction fee
- None
- Schumer Box sourced
- July 17, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
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Frequently asked
Is the Alaska Airlines Visa Signature (Atmos Rewards Ascent)'s $95 annual fee worth it?
The Alaska Airlines Visa Signature (Atmos Rewards Ascent) charges a $95 annual fee. In our review it earns a fees score of 15/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Alaska and Hawaiian Airlines flyers — especially on the West Coast — who want an annual $99 companion fare (plus taxes and fees from $23), a free first checked bag, priority boarding, and 3x points on Alaska/Hawaiian purchases, with no foreign transaction fee. Bank of America renamed the card the Atmos Rewards Ascent Visa Signature after Alaska and Hawaiian merged their loyalty programs into Atmos Rewards.
What APR does the Alaska Airlines Visa Signature (Atmos Rewards Ascent) charge?
19.49% – 27.49% variable. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Alaska Airlines Visa Signature (Atmos Rewards Ascent) charge foreign transaction fees?
No. The Alaska Airlines Visa Signature (Atmos Rewards Ascent) has no foreign transaction fee, so it works cleanly for purchases abroad.
Who is the Alaska Airlines Visa Signature (Atmos Rewards Ascent) best for?
Alaska and Hawaiian Airlines flyers — especially on the West Coast — who want an annual $99 companion fare (plus taxes and fees from $23), a free first checked bag, priority boarding, and 3x points on Alaska/Hawaiian purchases, with no foreign transaction fee. Bank of America renamed the card the Atmos Rewards Ascent Visa Signature after Alaska and Hawaiian merged their loyalty programs into Atmos Rewards.
Who should skip the Alaska Airlines Visa Signature (Atmos Rewards Ascent)?
Travelers who rarely fly Alaska or Hawaiian (the companion fare requires spending $6,000+ in the prior anniversary year) and anyone wanting flexible points — Atmos Rewards points (formerly Alaska Mileage Plan miles) are valuable but locked to Alaska, Hawaiian, and their partners.
How did ClearValue score the Alaska Airlines Visa Signature (Atmos Rewards Ascent)?
Alaska Airlines Visa Signature (Atmos Rewards Ascent) scored 77/100 — "Worth considering". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Alaska Airlines Visa Signature (Atmos Rewards Ascent)
Other airline cards we've scored, ranked by our methodology.
- ChaseSolid pick
Southwest Rapid Rewards Priority
81/100Annual fee$229Ongoing APR19.24–27.74%Foreign txn feeNoneBest forSouthwest loyalists chasing the Companion Pass — 7,500 anniversary points, 4x earning on Southwest purchases, and uncapp
Fees sourced from issuer terms · 2026-07-17
- ChaseWorth considering
United Explorer Card
77/100Annual fee$150Ongoing APR19.74–28.24%Foreign txn feeNoneBest forTravelers loyal to United who fly 2-4 round trips a year, want a free checked bag, and value priority boarding + 2× Unit
Fees sourced from issuer terms · 2026-07-16
- CitiWorth considering
Citi / AAdvantage Platinum Select World Elite Mastercard
76/100Annual fee$99Ongoing APR19.49–29.49%Foreign txn feeNoneBest forAmerican Airlines loyalists who want a free first checked bag (for the cardholder and up to four companions on the same
Fees sourced from issuer terms · 2026-07-21
