Atmos Rewards Ascent Visa Signature by Bank of America: 3x flights / airfare, 2x ev charging, 2x gas stations, 2x streaming services, 2x transit &…
The Atmos Rewards Ascent Visa Signature is Bank of America's mid-tier credit card. The $95/yr annual fee includes a 70,000-point welcome bonus after spending $2,500 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Alaska Lounge+ Membership credit | $100/yr | $100 off an annual Alaska Lounge+ Membership purchased with the card. |
| $99 Companion Fare (anniversary) | $250/yr | $99 Companion Fare (plus taxes and fees from $23) on every account anniversary after spending $6,000 or more on purchases within the prior anniversary year. Companion fare allows a second passenger on the same Alaska or Hawaiian Airlines reservation for the $99 fare instead of the published fare. |
Welcome bonus value (year one): ~$980. Annual statement credits: $350. Minus the $95 annual fee = ~$1235 in year-one net value before any spending earn. RewardsGuru rating: 4.4/5 — based on our net-value methodology.
Best fit: someone whose category spending matches the card's earn multipliers. Skip if: your spending pattern is flat across categories — a 2% flat-rate card would beat this.
70,000 points after spending $2,500 in the first 3 months. At our ~1.4¢/pt valuation, that's roughly $980 in real value.
Year-one math: welcome bonus value (~$980) + annual credits ($350) − $95 fee = ~$1235 net before spending earn. Year-two onward, the credits alone need to clear $95 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
2 recurring statement credits: Alaska Lounge+ Membership credit ($100/yr), $99 Companion Fare (anniversary) ($250/yr). Total: $350/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Bank of America's product page has the current rate.