Atmos™ Rewards Ascent Visa Signature^® Card — Full Review [2025]

Great Card If

• If you’re a frequent Alaska Airlines or Hawaiian Airlines flyer.
• You want perks like free checked bags and priority boarding.
• You could make good use of the annual companion fare certificate.

Don’t Get If

• You seldom fly with Alaska or Hawaiian.
• You want a card that earns transferable rewards.

Atmos Rewards Ascent Card — Is It Worth It?

If you frequently fly with Alaska Airlines or Hawaiian Airlines, the Atmos Rewards Ascent card (formerly the Alaska Airlines Visa Signature^® credit card) is likely worth it for you. The card helps you earn far more Atmos Rewards points than you would otherwise earn, with 3x points on Alaska and Hawaiian flights, 2x points on eligible gas, EV charging station, cable, streaming services, and local transit purchases, and 1x points on all other purchases.

Plus, if you have an eligible Bank of America account, you receive a 10% rewards bonus on all points earned from card purchases. This means that, at the end of your cardmember year, if you’ve earned 30,000 points from card purchases, you receive a further 3,000 bonus points.

The Atmos Rewards Ascent card also offers several other rewarding perks, such as free checked bags, priority boarding, 20% back on inflight purchases, an annual companion certificate when you spend $6,000 on the card, and more.

Atmos Rewards Ascent Card Top Perks and Benefits

Let’s take a detailed look at the specific perks of the Atmos Rewards Ascent card.

Annual Companion Certificate

The annual companion certificate on the Atmos Rewards Ascent card allows you to book a companion fare flight for just $122 — a $99 fare plus taxes and fees starting from $23.

The companion fare is valid for any round-trip Alaska economy ticket purchased directly with the airline for anywhere either airline flies (including internationally). It also applies to Hawaiian Airlines flights within the U.S.

Needless to say, depending on where you are planning to fly and the time of year, it is likely that the cash price of your companion’s ticket could be far more than the $122 you’d pay with the companion fare. However, you are required to spend $6,000 on your card in the previous calendar year to earn the companion certificate.

Free Checked Bags and Priority Boarding

Paying for checked bags can be expensive, especially when you are traveling with a large party. However, with the Atmos Rewards Ascent card, you and up to 6 guests traveling on an Alaska Airlines or Hawaiian Airlines flight reservation receive free checked bags as long as you book your flight with your card. This can amount to pretty large savings if you often travel with family and friends.

Your full party of up to 6 guests also receives priority boarding, allowing you to be one of the first passengers to board so that you can settle in and secure overhead bin space for your carry-on items.

Discount on Inflight Purchases

If you often buy items on your Alaska or Hawaiian flights, especially Wi-Fi, the Atmos Rewards Ascent card helps save you money there as well, with a 20% rebate toward food, beverages, and Wi-Fi purchased during your flight.

Discount on Alaska Lounge+ Membership

If you’re a frequent Alaska Airlines flyer, you likely have an Alaska Lounge at your home airport. If you want to be able to access these lounges each time you fly, you can use your Atmos Rewards Ascent card to get a $100 discount off an annual Alaska Lounge+ membership.

Travel and Purchase Protections

The Atmos Rewards Ascent card comes with a host of travel and purchase protections, such as:

• Secondary rental car insurance
• Trip interruption and cancellation insurance
• Trip delay reimbursement
• Lost luggage reimbursement
• Travel and emergency assistance services
• Roadside dispatch
• Extended warranty

Having car rental insurance can be beneficial when traveling, even if it is secondary, which means you’ll need to file a claim with your own insurance first. To get coverage, decline the rental agency’s loss damage waiver or collision damage waiver (LDW/CDW) and pay for the car rental using your Atmos Rewards Ascent card.

The card also provides coverage of up to $1,500 per trip for trip interruption and cancellation, up to $3,000 per passenger in reimbursements for lost or damaged luggage, and up to $500 in reimbursements per purchased ticket for eligible delays of 12 hours or more.

Roadside dispatch can send someone for tasks such as towing up to 5 miles, tire changes, jump starts, lockouts, fuel delivery, or standard winching, for a call fee of $69.95. Atmos Rewards Ascent cardholders also have access to travel and emergency services, which include legal and medical referrals, emergency ticket replacement, lost luggage locator assistance, and more.

Finally, this card offers extended warranty, which means you get 1 additional year on eligible warranties of 3 years or less, covering up to $10,000 per item and up to $50,000 per calendar year in total reimbursements.

Best Ways To Earn and Redeem Alaska’s Atmos Rewards Points

By far, the easiest way to earn more Alaska Airlines Atmos Rewards points is to use your card for all of your daily expenses and pay your statement balance in full each month. This will ensure that you’re earning anywhere from 1x to 3x points on these purchases, depending on what bonus category the purchase falls in.

If you’re an Alaska Airlines frequent flyer, it probably comes as no surprise to you that Alaska offers one of the most valuable airline loyalty programs. Once you’ve built up a nice stash of points, you’ll have tons of great ways to redeem Atmos Rewards points thanks to their lucrative award charts.

Alternative Cards to the Atmos Rewards Ascent Card

Bilt Mastercard

In the world of cards that earn transferable rewards, the Bilt Rewards program is the only 1:1 transfer partner program with Alaska Airlines (Atmos Rewards).

With the Bilt Mastercard (rates & fees), you can earn 3x points at restaurants, 2x points on travel booked directly with airlines, hotels, and car rental agencies, and 1x points on rent payments, without a transaction fee, up to 100,000 points each calendar year. Keep in mind that you need to use the card 5 times each statement period to earn Bilt Points (Rewards & Benefits).

Plus, the Bilt Card offers other perks like cellphone insurance, a monthly rent day where the number of points you earn is doubled (except on rent purchases), trip delay insurance, rental car insurance, and more.

Chase Sapphire Preferred^® Card

If you prefer to earn transferable rewards to avoid being locked into Alaska Airlines’ Atmos Rewards loyalty program, the Chase Sapphire Preferred card is worth considering.

With the Chase Sapphire Preferred card, you earn 5x points on Chase Travel purchases, 3x points on dining, online grocery purchases, and select streaming services, 2x points on all other travel worldwide, and 1x points on all other purchases. Plus, it also offers a 10% bonus on all points earned each year.

Beyond that, you receive perks like a $50 annual Chase Travel hotel credit, travel and purchase protections, a complimentary DoorDash DashPass membership, access to Chase transfer partners, and more.

We’ve also compared the Atmos Rewards Ascent card to the Chase Sapphire Preferred card here:

• Atmos Rewards Ascent Card vs. Chase Sapphire Preferred Card