Atmos Rewards entered the factors and miles area this yr, turning into the joint loyalty program for Alaska Airways and Hawaiian Airways.
Whereas Atmos Rewards’ major goal is somebody who continuously flies with these carriers, this program affords greater than meets the attention. Atmos Rewards factors are useful, value 1.5 cents apiece per TPG’s October 2025 valuations, and can be utilized to e-book flights with Oneworld companions resembling American Airways.
This system affords two private cobranded bank cards issued by Financial institution of America. The Atmos™ Rewards Ascent Visa Signature® Credit score Card is a rebranding of the Alaska Airways Visa Signature® (now not out there) and stays a stable entry-level rewards card with a $95 annual charge.
In the meantime, the Atmos™ Rewards Summit Visa Infinite® Credit score Card is a premium card for Alaska and Hawaiian loyalists, loaded with perks for a $395 annual charge.
Which card is best for you? Let’s dive in and see which Atmos Rewards card it’s best to add to your pockets.
The data for the Alaska Airways Visa Signature has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Atmos Ascent vs. Atmos Summit comparability
| Card | Atmos Ascent | Atmos Summit |
|---|---|---|
| Annual charge | $95 | $395 |
| Incomes charges |
|
|
| Welcome bonus | Earn 80,000 bonus factors and a $99 Companion Fare (plus taxes and charges from $23) after spending $4,000 on purchases inside the first 120 days from account opening. | Earn 100,000 bonus factors and a 25,000-point International Companion Award after spending $6,000 on purchases inside the first 90 days from account opening. |
| Journey perks | ||
| Advantages when flying Alaska or Hawaiian |
|
|
| Lounge perks | $100 off an annual Alaska Lounge+ Membership | Eight Alaska lounge passes yearly (two passes every calendar quarter) |
Atmos Ascent vs. Atmos Summit welcome bonus
Each playing cards present stable welcome bonuses.
New candidates for the Atmos Ascent can earn 80,000 bonus factors and a $99 Companion Fare (plus taxes and charges from $23) after spending $4,000 on purchases inside the first 120 days from account opening.
Per TPG’s valuations, this provide is value $1,200 in factors plus the worth of the Companion Fare.
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In the meantime, the Atmos Summit is providing new cardholders the prospect to earn 100,000 bonus factors and a 25,000-point International Companion Award after spending $6,000 on purchases inside the first 90 days from account opening.
This provide is value $1,875 if you mix the worth of the bottom factors and the International Companion Award, in accordance with TPG’s valuations.
Winner: Atmos Summit. Despite the fact that the spending requirement is larger, you will obtain extra factors with this bonus. Nonetheless, in the event you’d be extra comfy with a decrease spending requirement or incomes the Companion Fare as an alternative of extra factors, the Ascent might be a greater choice.
Atmos Ascent vs. Atmos Summit advantages
As famous within the desk above, the Atmos Ascent and Atmos Summit share some advantages. These are:
- One free checked bag for the cardholder and as much as six different passengers on the identical reservation
- Most well-liked boarding on Alaska Airways (out there now) and Hawaiian Airways (coming this fall)
- 20% again on all inflight purchases
The Atmos Summit has a better $395 annual charge and elevated perks in comparison with the entry-level Atmos Ascent, which prices $95 a yr. Some advantages differ barely, however the distinctions are necessary to notice.
Companion perks
Atmos Summit cardholders obtain an annual 25,000-point International Companion Award every account anniversary and might earn a 100,000-point International Companion Award after spending at the least $60,000 on the cardboard within the prior anniversary yr.
Atmos Ascent cardholders obtain an annual $99 Companion Fare (plus taxes and charges from $23) every account anniversary after spending at the least $6,000 on the cardboard within the prior anniversary yr.
Lounge advantages
The Atmos Summit grants eight Alaska Lounge passes per yr (two per calendar quarter). To make use of the move, you should be flying on a same-day ticketed Alaska, Hawaiian, Oneworld or accomplice airline flight.
In the meantime, Atmos Ascent cardholders obtain $100 off an annual Alaska Lounge+ membership, which prices $795 per yr and consists of entry to all Alaska Lounges and almost 90 accomplice lounges.
Whereas the Atmos Ascent’s $100 low cost is beneficiant for the cardboard’s $95 annual charge, the lounge passes will present numerous worth for these flying in or out of an airport with an Alaska Lounge at the least as soon as every calendar quarter.
Standing factors
Atmos Summit cardholders earn 1 standing level for each $2 spent on the cardboard, with no spending cap. You will additionally earn 10,000 standing factors every year in your account anniversary.
Atmos Ascent cardholders earn 1 standing level for each $3 spent on the cardboard, as much as 30,000 standing factors (this card will lose its standing level cap in 2026).
The Atmos Summit’s 10,000 standing factors on every account anniversary routinely places cardholders midway to Atmos Silver standing, the bottom tier in this system.
Plus, the cardboard would not have a restrict on what number of standing factors you’ll be able to earn by spending, not like the Atmos Ascent.
Summit unique perks
Lastly, some perks are unique to the premium Atmos Summit:
- No change charges when it is advisable make a same-day change to an Alaska flight
- $50 voucher for Alaska Airways flight cancellations or departure delays of two or extra hours
- As much as $120 in assertion credit for International Entry or TSA PreCheck each 4 years
- Eight inflight Wi-Fi passes on Alaska flights per calendar yr (two per calendar quarter)
These advantages are particularly useful to those that continuously fly on Alaska Airways.
Winner: Atmos Summit. For a better annual charge, the Summit gives a sooner path to elite standing, extra built-in perks and higher advantages for many who continuously fly with Alaska, Hawaiian or accomplice airways.
Incomes factors with the Atmos Ascent vs. the Atmos Summit
The Atmos Ascent and Atmos Summit each earn Atmos Rewards factors. The playing cards share an incomes charge on direct eligible Alaska Airways and Hawaiian Airways purchases, at 3 factors per greenback spent.
Plus, each playing cards earn a ten% rewards bonus on all factors earned from card purchases when you have an eligible Financial institution of America account.
The Atmos Summit earns 3 factors per greenback spent on eligible eating purchases and all overseas transactions, whereas the Atmos Ascent earns 2 factors per greenback spent at EV charging and gasoline stations; on native transit; and with cable, ride-hailing and choose streaming companies.
The Atmos Summit’s bonus earnings on overseas transactions are distinctive within the rewards card area, making the product a incredible choice in the event you make purchases outdoors of the U.S. continuously. In the meantime, the Atmos Ascent has first rate earnings in a number of classes, particularly transportation-related bills and streaming.
Winner: Atmos Summit. The cardboard has extra profitable incomes charges and boasts one of the vital uncommon bonus classes available on the market.
Redeeming factors with the Atmos Ascent vs. the Atmos Summit
You possibly can redeem Atmos Rewards factors earned on the Atmos Summit or Atmos Ascent in the identical methods. Our favourite redemption choices are for flights on Alaska, Hawaiian, Oneworld or a accomplice airline.
This system affords numerous worth, because of the truth that the revamped Atmos Rewards program maintained Alaska Airways’ common award chart, which the service carried out with its former Mileage Plan program.
I really like utilizing Atmos Rewards factors to e-book short-haul American Airways flights for 4,500 to six,000 factors.
Nonetheless, you’ll be able to unlock luxurious redemptions with Atmos Rewards too. As an example, you’ll be able to redeem 75,000 factors to fly Japan Airways enterprise class to Tokyo from the U.S. West Coast.
Different Oneworld companions you’ll be able to e-book with Atmos Rewards factors embody British Airways, Fiji Airways and Qantas.
Winner: Tie. Each playing cards share the identical redemption choices.
Transferring factors with the Atmos Ascent vs. the Atmos Summit
If in case you have the Atmos Summit, you’ll be able to switch your Atmos Rewards factors to lodge companions. The Atmos Ascent doesn’t have this characteristic.
These are the lodge loyalty applications you’ll be able to switch your Atmos Rewards factors to, together with their switch ratios:
- IHG One Rewards (1:1; out there by early November 2025)
- Marriott Bonvoy (1:1)
- I Choose Resort Rewards (1:2)
- Shangri-La Circle (8:1)
- Wyndham Rewards (1:1)
We usually do not suggest transferring your Atmos Rewards factors to lodge companions since you will not get as excessive a price as you’d utilizing them to e-book flights. Nonetheless, when you have a selected redemption in thoughts and wish just some extra factors to succeed in it, it might be a superb choice.
Winner: Atmos Summit. Though we do not suggest utilizing your factors this manner, you need to have the Atmos Summit to entry this feature. You possibly can’t switch Atmos Rewards factors when you have the Atmos Ascent.
Ought to I get the Atmos Ascent or the Atmos Summit?
In the event you’re on the lookout for extra advantages and better incomes charges, I like to recommend the Atmos Summit. The cardboard gives stable perks for Alaska and Hawaiian loyalists for a $395 annual charge.
Nonetheless, in the event you do not want the bonus perks and desire a easy card to earn extra Atmos Rewards factors and obtain fundamental perks if you fly Alaska or Hawaiian, I counsel the Atmos Ascent, since it is a sturdy choice in its personal proper.
Associated: Are premium bank cards well worth the annual charge?
Learn how to improve from the Atmos Ascent to the Atmos Summit
In the event you’re hoping to improve from the Atmos Ascent to the extra premium Atmos Summit, you’ll be able to attain out to Financial institution of America and request a product change.
Nonetheless, in the event you go for an improve as an alternative of making use of, you could miss out on the Atmos Summit’s welcome bonus. So, take into account your choices earlier than you decide.
In the event you maintain the Atmos Summit and need to downgrade to the Atmos Ascent, you too can contact Financial institution of America to make that product change.
Associated: 4 main concerns earlier than upgrading your bank card
Backside line
In the event you’re into premium perks and are loyal to Alaska, Hawaiian or their companions, the Atmos Summit gives incredible worth at a $395 annual charge.
Nonetheless, the Atmos Ascent is a gradual choice for a decrease annual charge. At $95, this card will present numerous worth for a lot of kinds of vacationers.
When making your determination, assess your spending habits and what you need out of the Atmos Rewards program.
To be taught extra, learn our full evaluations of the Atmos Ascent and the Atmos Summit.
Apply right here: Atmos Ascent
Apply right here: Atmos Summit
