If you want to collect Atmos Rewards points to use for Alaska Airlines and Hawaiian Airlines flights, you may be interested in applying for one of their cobranded credit cards.
The Atmos™ Rewards Ascent Visa Signature® credit card and the Atmos™ Rewards Visa Signature® Business Card are two mid-tier options to consider. Even if you aren’t a business owner, you may still be able to get approved for the Atmos Rewards Business card.
Beyond the value of Atmos Rewards points, another reason to consider these cards is that they are both issued by Bank of America. This matters if you’ve already reached your limit with American Express or are restricted by Chase’s 5/24 rule.
In that case, looking to other banks for your next credit card is a smart strategy.
Let’s take a closer look at these two cards and see how they compare.
Atmos Rewards Ascent vs. Atmos Rewards Business comparison
| Card name | Atmos Rewards Ascent | Atmos Rewards Business |
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$95 |
$95 ($70 per company plus $25 per card) |
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Earn 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $3,000 on purchases within the first 90 days of opening your account. |
Earn 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 on purchases within the first 90 days of opening your account. |
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*When you purchase your flight with your card
Atmos Rewards Ascent vs. Atmos Rewards Business welcome bonus
The personal Atmos Rewards Ascent is currently offering new cardholders the chance to earn 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $3,000 on purchases within the first 90 days of opening your account.
Meanwhile, the Atmos Rewards Business is offering new cardholders the ability to earn 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 on purchases within the first 90 days of opening your account.
According to TPG’s January 2026 valuations, Atmos Rewards points are worth 1.45 cents per point. So, the points included in these offers are worth $1,015.
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Winner: Ascent. While the bonus points and Companion Fare are the same, the minimum spending requirement is lower.
Atmos Rewards Ascent vs. Atmos Rewards Business benefits
These two cards have identical perks.
Travel benefits
When you pay for your flight with your Atmos Rewards Ascent or Atmos Rewards Business, you and up to six guests on the same reservation will receive:
Companion Fare
Both cards include an annual Companion Fare, one of the most generous airline credit card perks available. In effect, this is a buy-one-get-one-discounted deal (plus taxes and fees).
However — and this is a big one — you have to spend $6,000 or more on purchases within the prior anniversary year to earn the Companion Fare on either card (apart from any that come with the welcome bonus).
When you book a round-trip economy ticket on Alaska Airlines or Hawaiian Airlines, you can use the Companion Fare to reserve a second ticket on the same reservation from $122 ($99 fare plus taxes and fees from $23).
The Companion Fare must be redeemed within 12 months of the issue date, though the actual travel can take place after that, extending its usefulness to nearly two years. Even better, both travelers accrue full points credit for their flights and are eligible for upgrades.
The cardholder doesn’t even have to be flying, but must use their Atmos Rewards card to pay for the tickets. Depending on how you redeem your Companion Fare, it can be worth hundreds of dollars.
That’s especially true on some of the airlines’ more expensive routes, like those between the U.S. mainland and Hawaii, and can more than offset either card’s annual fee each year.
Elite status
Both cards also earn status points based on spending, helping you work toward elite status. The rate is 1 status point per $3 spent, with no cap.
Discounts
Both cards provide $100 off one Alaska Lounge+ membership each year when paid with the Atmos Rewards card.
Plus, cardholders get a 20% discount on in-flight food, beverages and Wi-Fi.
Winner: Tie.
Earning points on the Atmos Rewards Ascent vs. Atmos Rewards Business
Here are the overlapping earning rates for both cards:
- 3 points per dollar spent on eligible Alaska Airlines and Hawaiian Airlines purchases
- 2 points per dollar spent at EV charging stations and gas stations, and on local transit (including ride-hailing services)
- 1 point per dollar spent on all other purchases
The personal Atmos Rewards Ascent also earns 2 points per dollar spent on cable and select streaming services, while the Atmos Rewards Business offers 2 points per dollar spent on shipping purchases.
Winner: Tie. Both cards offer similar earning rates.
Redeeming points on the Atmos Rewards Ascent vs. Atmos Rewards Business
There are several valuable ways to maximize Atmos Rewards points.
For short-haul Alaska Airlines flights, such as from Portland, Oregon, to San Francisco, you can redeem as few as 5,000 Atmos Rewards points for each leg of the journey. Even for longer flights, economy awards often start at 12,500 points.
If you prefer a first-class experience, longer domestic flights typically require 50,000 points, but shorter flights can start as low as 15,000 points for each leg in first class.
TPG contributing editor for credit cards Matt Moffitt counts Atmos Rewards points as his favorite airline currency. He recently redeemed 55,000 points (plus $18 in taxes) for a one-way flight from Chicago to London in American Airlines’ flagship business-class product.
Winner: Tie. Both cards earn Atmos Rewards points and status points and provide the same redemption options.
Should I get the Atmos Rewards Ascent or the Atmos Rewards Business?
Since the cards are so similar, the main deciding factor is whether you qualify for a business card. If you do, choose based on your spending habits: shipping purchases earn more on the Atmos Business, while cable and streaming services favor the Atmos Ascent. Because they’re separate products, eligible business owners can apply for both to earn two welcome bonuses and two annual Companion Fares.
Bottom line
Both the Atmos Rewards Ascent and the Atmos Rewards Business deliver excellent long-term value thanks to the generous Companion Fare, valuable Atmos Rewards points and travel perks.
With annual fees under $100, they can easily pay for themselves after just one redemption, especially on costly routes like to and from Hawaii and cross-country flights.
For frequent Alaska or Hawaiian flyers, either card is a smart addition to your wallet, and holding both could unlock even greater rewards.
To learn more, read our full reviews of the Atmos Rewards Ascent and Atmos Rewards Business.
Apply here: Atmos Rewards Ascent
Apply here: Atmos Rewards Business
