Greatest Alaska Atmos Rewards Credit score Card: Three Selections, How To Determine

Hyperlink: Apply now for the Atmos™ Rewards Summit Visa Infinite^® Credit score Card, Atmos™ Rewards Ascent Visa Signature^® Credit score Card, or Atmos™ Rewards Visa Signature® Enterprise Card 

Atmos Rewards is the loyalty program of Alaska Airways and Hawaiian Airways, and the brand new loyalty program has three co-branded bank cards, all issued by Financial institution of America.

All three of those playing cards — the Atmos™ Rewards Summit Visa Infinite^® Credit score Card, Atmos™ Rewards Ascent Visa Signature^® Credit score Card, and Atmos™ Rewards Visa Signature® Enterprise Card — have phenomenal welcome bonuses, and are value giving a attempt, for my part.

In case you’re contemplating selecting up a number of of those playing cards, on this submit I’d like to check the playing cards, and talk about which is the best choice. Let me say upfront that there could possibly be benefit to selecting up multiple of those playing cards. So first let’s cowl the fundamentals of the three playing cards, after which I’ll speak about how I’d go about deciding which to use for.

The three Alaska Atmos Rewards bank cards in contrast

Financial institution of America and Alaska Air Group companion on issuing three co-branded bank cards. All of them have Atmos Rewards branding, with two being private playing cards, and one being a enterprise card. To begin, let me state that the enterprise card and mid-range private card are very comparable, whereas the premium private card has a very totally different set of advantages.

Atmos Rewards Summit Card fundamentals

The Atmos Rewards Summit Card has a $395 annual payment, and affords the largest welcome bonus of all of the playing cards, by far. Whereas this card has the very best annual payment of the three playing cards, it affords an unbelievable worth proposition. Perks embody the next, amongst different issues:

• A profitable rewards construction, together with 3x factors on all international purchases (an unbelievable bonus class), plus 3x factors on eating
• The quickest pathway to Atmos Rewards elite standing — obtain an anniversary increase of 10,000 standing factors, plus earn one standing level for each $2 spent
• The flexibility to earn World Companion Awards — an anniversary 25,000-point World Companion Award only for having the cardboard, plus a 100,000-point World Companion Award for spending $60,000 on the cardboard per anniversary yr
• As much as eight Alaska Lounge passes and as much as eight Alaska inflight Wi-Fi passes per yr, within the type of two of every go per quarter
• Waived charges, together with waived $12.50 companion award reserving charges, and waived similar day change charges on Alaska flights
• Improve precedence on Alaska & Hawaiian flights, in order that is useful for anybody with elite standing
• The flexibility to share factors with as much as 10 different members without charge (and vice versa)

Learn an in depth evaluate of the Atmos Rewards Summit Card.

Atmos Rewards Ascent Card fundamentals

The Atmos Rewards Ascent Card has a $95 annual payment, and has a beneficiant welcome bonus for a card with such an affordable annual payment. This can be a nice choice for a low payment card that also affords appreciable worth for somebody who flies Alaska or Hawaiian with any frequency. Among the card’s perks embody the next:

• Some helpful bonus classes, together with 3x factors on Alaska & Hawaiian purchases, and 2x factors on gasoline, EV charging stations, native transit (together with experience share), cable, and choose streaming companies
• The flexibility to have spending depend towards elite standing — earn one standing level for each $3 spent (capped at 30,000 standing factors in 2025, and uncapped in 2026 and past)
• A $99 Companion Fare after spending $6,000 on the cardboard per anniversary yr
• A primary checked bag free and 20% financial savings on inflight purchases on Alaska & Hawaiian flights
• Most well-liked boarding on Alaska flights

Learn an in depth evaluate of the Atmos Rewards Ascent Card.

Atmos Rewards Enterprise Card fundamentals

The Atmos Rewards Enterprise Card has a minimal of a $95 annual payment ($70 for the account and $25 per card), and is the one enterprise card within the portfolio. The cardboard additionally has a profitable welcome bonus. Perks on the cardboard together with the next, amongst different issues:

• Some helpful bonus classes, together with 3x factors on Alaska & Hawaiian purchases, and 2x factors on gasoline, EV charging stations, native transit (together with experience share), and transport
• The flexibility to have spending depend towards elite standing — earn one standing level for each $3 spent (capped at 30,000 standing factors in 2025, and uncapped in 2026 and past)
• A $99 Companion Fare after for spending $6,000 on the cardboard per anniversary yr
• A primary checked bag free and 20% financial savings on inflight purchases on Alaska & Hawaiian flights
• Most well-liked boarding on Alaska flights

Learn an in depth evaluate of the Atmos Rewards Enterprise Card.

decide an Alaska Atmos Rewards bank card

In case you’re attempting to resolve which of the three Atmos Rewards bank cards to use for, how must you go about deciding? Let me share how I’d go about deciding which of the playing cards to use for.

Atmos Rewards bank cards aren’t mutually unique

One vital factor to know is that eligibility for the three Atmos Rewards bank cards, together with the welcome bonuses, isn’t mutually unique. So you would decide up a number of Atmos Rewards bank cards. Past the nice welcome bonuses, there’s doubtlessly benefit to holding onto a number of of those playing cards long run.

In case you’re eligible for enterprise bank card, personally I’d in all probability initially go the route of making use of for the Atmos Rewards Enterprise Card along with the Atmos Rewards Ascent Card or Atmos Rewards Summit Card. In spite of everything, it’s typically simpler to get accredited for one enterprise card and one private card from an issuer in a brief timeframe, reasonably than two private playing cards.

Regardless, the purpose is that you just’re doubtlessly eligible for all three of the playing cards, so there are many rewards to earn. For instance, I’ve shared my expertise getting accredited for the Atmos Rewards Summit Card, and in addition my expertise getting accredited for the Atmos Rewards Enterprise Card, in a brief timeframe.

The Atmos Rewards Ascent & Enterprise are very comparable

The Atmos Rewards Ascent Card and Atmos Rewards Enterprise Card are very comparable merchandise by way of their welcome affords, annual charges, and so forth. The first distinction is that the private card earns 2x factors on cable and choose streaming companies, whereas the enterprise card earns 2x factors on transport.

The opposite distinction is that approved customers are free on the private card, whereas they price $25 every on the enterprise card. So if you wish to add approved customers (as they do obtain some advantages when flying on Alaska), then the private card is a bit higher.

However huge image, there’s not an enormous distinction by way of the rewards of the 2 playing cards, apart from one being a private card and one being a enterprise card. Let me additionally point out that there could possibly be benefit to having each of the playing cards in the long term. For instance, in case you worth the power to earn the $99 Companion Fare, you would earn two per yr if in case you have each playing cards.

The Atmos Rewards Ascent & Summit are completely totally different

Whereas the Atmos Rewards mid-range private and enterprise playing cards are very comparable, there are enormous variations between the 2 private playing cards. I’d argue that the Atmos Rewards Ascent Card and Atmos Rewards Summit Card are primarily enhances, reasonably than substitutes.

The Atmos Rewards Ascent Card is the cardboard you’re going to need in case you simply fly Alaska or Hawaiian each infrequently, and desire a card with an affordable annual payment and an ideal welcome bonus. The cardboard may be value spending $6,000 on yearly to earn a $99 Companion Fare, however I’d say that’s the extent to which it’s value spending on the cardboard.

Within the case of the Atmos Rewards Summit Card, I’d say it’s a special story. The cardboard has the next annual payment, however has very robust perks. That being mentioned, it is advisable to be somebody who maximizes bank card rewards to get full worth out of it. So I’d say the cardboard is nice in case you’re pursuing standing with Atmos Rewards, or in case you often redeem Atmos Rewards factors.

The Atmos Rewards Summit is basically a no brainer

The way in which I view it, the choice of whether or not to use for the Atmos Rewards Summit Card ought to principally be made independently of whether or not you resolve to select up one of many different playing cards. The cardboard has a particular worth proposition, with a singular set of issues:

• Need to earn elite standing with the Atmos Rewards program with bank card spending? Then it’s best to have this card, because it affords essentially the most standing factors for spending
• Do you really wish to earn Atmos Rewards factors for spending? Then it’s best to have this card for its superior rewards construction, given the 3x factors bonus classes
• Are you an Atmos Rewards elite member who values complimentary upgrades? Then it’s best to have this card, because it affords improve precedence
• Do you redeem a whole lot of Atmos Rewards factors? Then it’s best to have this card for the waived companion redemption payment, and the World Companion Awards (each for having the cardboard and for spending)

Backside line

Alaska’s Atmos Rewards program has three co-branded bank cards from Financial institution of America. This consists of two private playing cards and one enterprise card. There’s doubtlessly benefit to getting a number of of them, for the reason that playing cards (together with the welcome affords) aren’t mutually unique.

The Atmos Rewards Ascent Card and Atmos Rewards Enterprise Card are largely very comparable, with the first distinction being that one is a private card and one is a enterprise card. In the meantime the Atmos Rewards Summit Card is exclusive within the portfolio, providing some unbelievable perks that Alaska loyalists and factors maximizers will admire. The cardboard has the very best annual payment, but additionally doubtlessly essentially the most upside.

What’s your tackle which Atmos Rewards bank card represents one of the best worth?