Atmos Rewards Ascent Visa Signature
A Bank of America Visa card with a $95 annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, rewards valued as cash. Merchant credits like Uber or DoorDash aren't counted for typed profiles. Assumes you fly mostly Alaska.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $835 | $235 | $1,777 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $1,131 | $531 | $3,257 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $1,500 | $900 | $5,100 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Atmos Ascent ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Atmos Ascent |
|---|---|
| Issuer and network | Bank of America, Visa |
| Annual fee | $95 |
| Requires | Nothing extra |
| Welcome offer | 50,000 points after $1,500 in 3 months |
| Earning | 3x on Alaska Airlines and Hawaiian Airlines purchases (tickets, flight subscriptions, inflight and lounge food and drink, lounge memberships, vacation packages) · 2x on gas and EV charging, local transit (including rideshare), and cable and select streaming services · 1x on everything else |
| Rewards currency | Atmos Rewards points |
| Statement credits | None |
| Lounges | None |
| Foreign transaction fee | None |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- Bank of America's Alaska Airlines Visa Signature was renamed the Atmos Rewards Ascent Visa Signature when Alaska and Hawaiian combined Mileage Plan and HawaiianMiles into Atmos Rewards (August 2025). BofA still serves it at the old alaska-airlines-credit-card URL. Earn and benefits now cover both Alaska and Hawaiian.
- There's a premium sibling, the Atmos Rewards Summit Visa Infinite ($395). It isn't included here.
- Atmos points: conservative fixed value of 1.2 cents each. Atmos prices Alaska/Hawaiian awards dynamically and has no fixed-value pay-with-points option. 1.2c matches the median economy redemption on Points Path data (Frequent Miler, April 2026: 1.20-1.23c) and sits below NerdWallet's 1.4c (Aug 2026) and TPG's 1.55c (Oct 2026). Points can't be cashed out.
- Variable APRs are based on the 7.0% prime rate as of 9/30/2026. No authorized-user fee is listed in the disclosures.
Already have it? Is the Atmos Ascent still worth $95 a year?