AtmosTM Rewards Ascent Visa Signature® credit card Review
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Who is the AtmosTM Rewards Ascent Visa Signature® credit card card best for?
West Coast flyers will benefit the most from the AtmosTM Rewards Ascent Visa Signature® credit card, but since the card partners with the Oneworld alliance, its miles can be redeemed for flights across the globe.
Plus, one of the great benefits of the AtmosTM Rewards Ascent Visa Signature® credit card is its Companion Fare. Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
The AtmosTM Rewards Ascent Visa Signature® credit card comes with a $95 annual fee.
AtmosTM Rewards Ascent Visa Signature® credit card overview
- Earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, make $4,000 or more in purchases within the first 120 days of opening your account.
- Receive a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines and Hawaiian Airlines flights within North America booked on AlaskaAir.com.
- Earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 point per $1 spent on all other purchases.
- Earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
- Free checked bag on Alaska Airlines and Hawaiian Airlines and enjoy priority boarding on Alaska Airlines, for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too.
- Earn and redeem across 1,000+ destinations worldwide with oneworld® Alliance member airlines and 30+ global air partners.
- Plus, no foreign transaction fees and a low $95 annual fee.
- Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretionGood / Excellent
- Free checked bag
- Annual companion fare each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year
- In-flight purchase discount
Intro Purchase APR
N/A
Regular Purchase APR
19.99% - 27.99% Variable APR
Intro BT APR
N/A
Regular BT APR
19.99% - 28.24% Variable APR on balance transfers
Annual Fee
$95
Cash Advance Fee
See Terms
Foreign Transaction Fee
None
Balance Transfer Fee
4% of the amount of each transaction
Pros and cons of the AtmosTM Rewards Ascent Visa Signature® credit card
Pros
- Annual Companion Fare after qualifying purchases
- Free checked bags for up to six additional passengers on the same reservation
- Foreign transaction fee: none
- Oneworld Alliance network
- Visa Signature benefits, such as roadside dispatch, auto rental collision damage waiver, extended warranty protection and travel and emergency assistance services
Cons
- $95 annual fee
- Limited East Coast/Midwest flight options
What we like about the AtmosTM Rewards Ascent Visa Signature® credit card
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Sign-up bonus
With the AtmosTM Rewards Ascent Visa Signature® credit card, new cardholders can earn earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, make $4,000 or more in purchases within the first 120 days of opening your account.
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Annual Companion Fare
Every year on your credit card account anniversary, you’ll receive a companion fare which allows you to book a companion flight ($99 fare plus taxes and fees from $23) after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
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Great miles redemption value
While the sign-up bonus may seem low compared to other airline cards, the value you get for your miles can exceed its competitors. For example, you can fly roundtrip from Seattle to San Francisco for just 10,000 miles in economy. Longer flights, such as from Seattle to New York City, can run as low as 25,000 miles roundtrip.
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Free checked bags
Not only do AtmosTM Rewards Ascent Visa Signature® credit card cardholders qualify for a free checked bag, but this benefit also extends to up to six passengers on the same reservation.
What to watch out for with the AtmosTM Rewards Ascent Visa Signature® credit card
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Annual fee
The AtmosTM Rewards Ascent Visa Signature® credit card comes with a $95 annual fee. That said, the fee is pretty reasonable for an airline rewards card.
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Low miles earning rate on regular purchases
With the AtmosTM Rewards Ascent Visa Signature® credit card, cardholders earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases, including rideshare. Earn unlimited 1 point for every $1 spent on all other purchases. If you don’t use the card to purchase flights often, it may be difficult to replenish your Alaska Mileage Plan account by using the card for other purchases.
Alternate travel card
Compare it to the Chase Sapphire Preferred® Card
If you’re not sure you’ll be able to take advantage of what the AtmosTM Rewards Ascent Visa Signature® credit card has to offer, a good alternative is the Chase Sapphire Preferred® Card.
The Chase Sapphire Preferred® Card has a generous sign-up bonus as well as the ability to redeem miles for a multitude of carriers with an added value of 25% more when redeemed through the Chase Ultimate Rewards® portal.
This card’s sign-up bonus allows new cardmembers to earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
For ongoing rewards, earn Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
The card gives you 25% more value for your points when you redeem them for airfare, hotels, car rentals and cruises through the Chase Ultimate Rewards website. There’s an annual fee of $95.
Compare the AtmosTM Rewards Ascent Visa Signature® credit card to similar cards
| Credit Cards | Our Ratings | Annual Fee | Welcome Offer | Rewards Rate | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|---|
|
AtmosTM Rewards Ascent Visa Signature® credit card*
|
$95 | Earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, make $4,000 or more in purchases within the first 120 days of opening your account. | Earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases, including rideshare. Earn unlimited 1 point for every $1 spent on all other purchases. | Good / Excellent | ||
Chase Sapphire Preferred® Card
 Apply Now
on Chase's secure site Rates & Fees |
$95 | Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. | Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases | Excellent |
Apply Now
on Chase's secure site Rates & Fees |
|
Southwest Rapid Rewards® Plus Credit Card*
|
$99 | Limited Time Offer: Our best points offer this year, earn 100,000 bonus points after spending $4,000 on purchases in the first 5 months from account opening. | Receive 3,000 anniversary points each year. Enjoy benefits including 2X points on Southwest Airlines® purchases, First checked bag free, 10,000 Companion Pass® qualifying points boost each year, and more. | Good / Excellent | ||
Capital One Venture Rewards Credit Card
|
$95 | 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening | 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel | Good / Excellent |
Is the AtmosTM Rewards Ascent Visa Signature® credit card card right for you?
The AtmosTM Rewards Ascent Visa Signature® credit card comes with higher rewards for airline-related spending than some competing cards, but falls short when it comes to earning in other categories related to travel (such as dining).
It’s worth noting that while Alaska Airlines’ route network may not be as extensive as some cardmembers might need, it has partnerships with other airlines that can make up for that.
If you don’t want a card tied to a specific airline, the Chase Sapphire Preferred® Card or the Capital One Venture Rewards Credit Card will give you more flexibility in how you earn and spend your rewards.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the AtmosTM Rewards Ascent Visa Signature® credit card and Southwest Rapid Rewards® Plus Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.