The Atmos™ Rewards Ascent Visa Signature® Credit score Card is an entry-level card possibility within the Atmos Rewards ecosystem.
The cardboard earns beneficial Atmos Rewards factors that can be utilized to e-book free flights with Alaska Airways, Hawaiian Airways and different Oneworld companions, reminiscent of American Airways, Japan Airways and Qantas. This card packs a punch and provides strong perks when flying with both airline, together with a free checked bag and most popular boarding.
Even in the event you do not ceaselessly fly on Alaska or Hawaiian, there are various causes for award-savvy vacationers to think about including this cobranded card to their wallets. Card ranking*: ⭐⭐⭐⭐
*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Atmos Rewards Ascent: The fundamentals
The Atmos Rewards Ascent is a cobranded airline card inside Atmos Rewards, the joint loyalty program between Alaska Airways and Hawaiian Airways.
For a $95 annual price, the cardboard earns beneficial Atmos Rewards factors and gives just a few added advantages.
Among the greatest methods to maximise these factors embody redeeming for premium cabins with Oneworld companions, reminiscent of Cathay Pacific or Fiji Airways. Nonetheless, Atmos Rewards factors are additionally strong for short-haul home routes on Alaska Airways or American Airways.
One of many card’s standout perks is its annual $99 Companion Fare (plus taxes and costs from $23), which is earned upon every account anniversary so long as you’ve got spent $6,000 or extra throughout the prior anniversary yr.
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Typically, it is a strong possibility for Alaska or Hawaiian frequent flyers, due to the perks they’ll get pleasure from when flying with both airline, reminiscent of free checked baggage and most popular boarding.
Nonetheless, in the event you’re in search of extra premium perks, reminiscent of lounge entry, this card will not meet your wants.
Associated: Which bank card do you have to use for Alaska Airways flights?
Atmos Rewards Ascent execs and cons
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Atmos Rewards Ascent advantages
The Atmos Rewards Ascent provides fewer added advantages in comparison with different cobranded airline playing cards. Nonetheless, for a $95 annual price, you’ll be able to nonetheless anticipate just a few perks.
Perks when flying Alaska Airways or Hawaiian Airways
Cardholders obtain one piece of free checked baggage for themselves and as much as six different passengers on the identical reservation when flying Alaska or Hawaiian and paying with the Atmos Rewards Ascent. This protects $35 per individual every manner for checked baggage, which is a big financial savings in the event you plan to fly with both airline ceaselessly.
Cardholders additionally get most popular boarding on Alaska and Hawaiian, and so they’ll obtain 20% again on Alaska Airways and Hawaiian Airways inflight purchases after they use the cardboard.
For those who’re working towards Atmos Rewards standing, you’ll be able to earn through the use of the cardboard. You’ll be able to anticipate to earn 1 standing level for each $3 spent (as much as a most of 30,000 factors per yr by means of the tip of 2025). From 2026, there isn’t any cap on standing factors you’ll be able to earn by means of spending.
Companion Fare
As talked about above, the most effective advantages of the Atmos Rewards Ascent is the $99 Companion Fare (plus taxes and costs from $23). This may be unlocked after spending $6,000 or extra on the cardboard throughout the prior anniversary yr.
You will get worth from this perk so long as you fly Alaska Airways with a buddy or member of the family on paid fares not less than annually.
Carly Helfand, TPG’s director of factors, miles and bank card content material, used the Ascent’s Companion Fare to take a last-minute journey to Chicago together with her husband. The round-trip flights from Portland Worldwide Airport (PDX) to Chicago’s O’Hare Worldwide Airport (ORD) price $542.60 per individual, however she paid $679.63 for each tickets with the Companion Fare.
Alaska Lounge+ membership low cost
Whereas the Atmos Rewards Ascent would not present outright lounge entry, you may get $100 off an annual Alaska Lounge+ membership while you pay with this card. A membership prices $795 per yr.
This profit alone offsets the cardboard’s $95 annual price. Nonetheless, given how costly membership is, this perk is not as helpful until you had been already going to pay for an Alaska Lounge+ membership.
Different issues
It is value noting that this card would not present primary journey protections reminiscent of baggage delay insurance coverage, misplaced baggage insurance coverage, buy safety and journey cancellation/interruption protection. If these perks are vital to you, chances are you’ll wish to contemplate an alternate possibility.
Lastly, it is a good card to take overseas because it would not cost overseas transaction charges.
Associated: The 4 greatest airline bank cards with annual charges beneath $100
Tips on how to earn and use Atmos Rewards factors
The Atmos Rewards Ascent earns Atmos Rewards factors on purchases. These factors are sometimes greatest used for flight purchases. Let’s dive into what to know.
Incomes Atmos Rewards factors
With this card, you may earn:
- 3 factors per greenback spent on eligible Alaska Airways and Hawaiian Airways purchases
- 2 factors per greenback spent on cable, at electrical car charging and gasoline stations, on native transit and ride-hailing providers, and on choose streaming providers
- 1 level per greenback spent on all different eligible purchases
Plus, cardholders with an eligible Financial institution of America account can even obtain a ten% bonus on all factors earned.
TPG’s December 2025 valuations estimate Atmos Rewards factors are value 1.45 cents apiece.
This card might not be the best choice for spending classes outdoors of Alaska and Hawaiian purchases. Nonetheless, in the event you’re all-in on incomes Atmos Rewards factors, swiping this card turns into extra enticing.
Redeeming Atmos Rewards factors
Atmos Rewards gives stellar redemption charges on home journey. Brief-haul economic system tickets begin at simply 4,500 factors one-way.
One in all my favourite methods to redeem Atmos Rewards factors is to e-book short-haul American Airways flights, reminiscent of Charlotte Douglas Worldwide Airport (CLT) to Louisville Muhammad Ali Worldwide Airport (SDF) in Kentucky, at this 4,500 factors charge.
It is nonetheless a superb element to redeem for longer home flights, as a flight from Seattle-Tacoma Worldwide Airport (SEA) to New York’s John F. Kennedy Worldwide Airport (JFK) would price simply 12,500 factors for a one-way economic system ticket.
Premium cabins can begin as little as 15,000 factors one-way on shorter flights and 30,000 factors on longer U.S. routes. For journeys to Hawaii, these awards usually begin at 15,000 factors every manner in economic system and 40,000 factors every manner in first-class.
Atmos Rewards is a part of the Oneworld alliance, which suggests you’ll be able to e-book accomplice flights with airways reminiscent of British Airways, Cathay Pacific and Qantas.
TPG Director of Journey Content material Eric Rosen’s favourite methods to maximise Atmos Rewards redemptions embody reserving Cathay Pacific or Japan Airways enterprise class from the U.S. to Asia for 75,000 factors one-way and Fiji Airways enterprise class from the U.S. to Fiji for 75,000 factors one-way.
Associated: 10 greatest methods to redeem 100,000 Alaska Airways Atmos Rewards factors
The place the Atmos Rewards Ascent falls brief
Whereas there are a number of execs to holding the $95-annual-fee Atmos Rewards Ascent, there are a few the reason why chances are you’ll not wish to apply.
- The cardboard doesn’t embody journey protections.
- The cardboard’s incomes charges aren’t exceptionally excessive, and plenty of different journey playing cards present a greater return in your spending.
- It’s a must to spend $6,000 on the cardboard in an account anniversary yr to earn the Companion Fare.
- You could fly on Alaska Airways or Hawaiian Airways to obtain a free checked bag or most popular boarding.
Atmos Rewards Ascent vs. Atmos Rewards Summit
In case you are able to go all-in on Atmos Rewards, contemplate its premium sibling: the Atmos™ Rewards Summit Visa Infinite® Credit score Card.
For the next $395 annual price, the cardboard gives Alaska Lounge passes, a 25,000-point World Companion Award yearly and a excessive incomes charge on overseas purchases.
Associated: Tips on how to attain Alaska Airways elite standing with simply 1 card
Is the Atmos Rewards Ascent value it?
The Atmos Rewards Ascent is a good way to gather beneficial Atmos Rewards factors. For those who worth that forex extremely, this card is a unbelievable place to begin.
Nonetheless, in the event you discover the incomes charges restrictive and the advantages underwhelming, an alternative choice could also be your best option.
Associated: Atmos Rewards Ascent vs. Enterprise: Which $95 Alaska-Hawaiian card do you have to get?
When to use for the Atmos Rewards Ascent
New Atmos Rewards Ascent cardholders can earn 60,000 bonus factors and a $99 Companion Fare (plus taxes and costs from $23) after spending $3,000 on purchases within the first 90 days from account opening, plus obtain a 30% world flight low cost code for a qualifying future flight after opening their new account.
TPG’s valuations deem the factors on this supply to be value $870.
This card’s supply historical past is proscribed, as we have solely seen this bonus and its launch bonus. However with that in thoughts, we usually advocate making use of when the bonus gives greater than 60,000 factors and features a Companion Fare.
Associated: Final-minute methods for incomes Alaska Airways Atmos Rewards elite standing
Different playing cards to think about if you don’t need the Atmos Rewards Ascent
For those who aren’t sure in regards to the Atmos Rewards Ascent, listed below are some options value contemplating:
For extra choices, try our full checklist of the very best journey bank cards.
Backside line
Atmos Rewards factors you may earn on the Atmos Rewards Ascent unlock unbelievable redemption charges on home flights, in addition to worldwide routes by means of its Oneworld companions.
Award-savvy vacationers know you do not have to be an Alaska Airways or Hawaiian Airways loyalist to benefit from the rewards you earn with this card. Nonetheless, a number of the card’s perks might go unused in the event you do not not less than sometimes fly with certainly one of its major airways.
Take into account what issues most to you in alternate for a $95 annual price, and you will be in your method to hitting the skies.
Apply right here: Atmos Rewards Ascent Visa Signature Credit score Card
