This New Offer Lets You Earn 50,000 Alaska Atmos Rewards With a New or Refinanced Mortgage

If you’re planning to take out a mortgage or refinance your home loan this year, Rate.com has teamed up with Alaska Airlines to offer borrowers a generous 50,000 bonus Alaska Airlines Atmos Rewards points upon loan closing.

Here’s what you need to know.

How To Earn 50,000 Alaska Atmos Rewards Points With a Rate.com Mortgage Loan

When you apply for a mortgage or refinance through Rate.com by December 31, 2025, and close the loan successfully, you can receive a lump sum of 50,000 Alaska Airlines Atmos Rewards points.

These points will be deposited directly into the lead borrower or co-borrower’s Alaska Atmos Rewards account within 6 to 8 weeks after closing.

To qualify, you must either call a dedicated phone number or apply through this special link. This offer isn’t automatically available to all borrowers and can’t be applied retroactively to loans already in progress or closed before this promotion.

Is It Worth It?

Earning bonus airline points for financing your home is a rare opportunity, especially at this scale. Unlike some offers where points are awarded based on the loan amount borrowed (for example, 1 mile per $10), this promotion delivers a flat 50,000 points regardless of the mortgage size. That means whether you’re taking out a large mortgage or refinancing a smaller balance, you get the full mileage reward.

At UpgradedPoints, we value Alaska points at 1.6 cents each, which puts this offer’s value at roughly $800. That’s a nice bonus to help fund future trips, especially if you’re already planning travel on Alaska Airlines or its global partners.

This points bonus is definitely a nice perk, but don’t let it distract you from the important stuff — like the actual cost of your mortgage. Make sure to compare Rate.com’s rates and fees with other lenders because if rates are better elsewhere, you could end up paying more than what the points are worth.

In other words, if you can secure a competitive mortgage rate from Rate.com and also collect 50,000 Atmos Rewards points, this deal becomes very compelling. But if their offer isn’t financially favorable, chasing the bonus points alone won’t help you save money in the long run.

Final Thoughts

This offer runs through 2025 and is a great way to earn valuable Alaska points when you finance or refinance with Rate.com. Just make sure to apply through the right channels and compare rates to see if it’s a good fit for you.

If the numbers add up, this is one of the best points-for-mortgage deals around — a nice $800 travel bonus for a big financial move.