Atmos Rewards is the joint loyalty program for Alaska Airways and Hawaiian Airways flyers.
Whereas Atmos Rewards’ main goal is somebody who steadily flies with these carriers, this system gives greater than meets the attention. Atmos Rewards factors are invaluable, price 1.45 cents apiece per TPG’s January 2026 valuations, and can be utilized to guide flights with Oneworld companions corresponding to American Airways.
This system gives two private cobranded bank cards issued by Financial institution of America. The Atmos™ Rewards Ascent Visa Signature® bank card is a strong entry-level rewards card with a $95 annual payment.
In the meantime, the Atmos™ Rewards Summit Visa Infinite® Credit score Card is a premium card for Alaska and Hawaiian loyalists, loaded with perks for a $395 annual payment.
Which card is best for you? Let’s dive in and see which Atmos Rewards card it’s best to add to your pockets.
Atmos Ascent vs. Atmos Summit comparability
| Card | Atmos Ascent | Atmos Summit |
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$95 |
$395 |
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Earn 70,000 bonus factors and a $99 Companion Fare (plus taxes and costs from $23) after spending $3,000 on purchases inside the first 90 days of opening an account. |
Earn 80,000 bonus factors and a 25,000-point International Companion Award after spending $4,000 on purchases inside the first 90 days of opening an account. |
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Advantages when flying Alaska or Hawaiian
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$100 off an annual Alaska Lounge+ Membership |
Eight Alaska lounge passes yearly (two passes every calendar quarter) |
Atmos Ascent vs. Atmos Summit welcome bonus
Each playing cards present strong welcome bonuses.
New candidates for the Atmos Ascent can earn 70,000 bonus factors and a $99 Companion Fare (plus taxes and costs from $23) after spending $3,000 on purchases inside the first 90 days of opening their account.
Per TPG’s valuations, the factors on this supply are price $1,015.
In the meantime, the Atmos Summit is providing new cardholders the prospect to earn 80,000 bonus factors and a 25,000-point International Companion Award after spending $4,000 on purchases inside the first 90 days of opening your account.
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This supply is price as much as $1,523 while you mix the worth of the bottom factors and the International Companion Award, in line with TPG’s valuations.
Winner: Atmos Summit. Though the spending requirement is increased, you will obtain extra factors with this bonus. Nonetheless, when you’d be extra comfy with a decrease spending requirement or incomes a Companion Fare as an alternative of extra factors, the Ascent could possibly be a greater choice.
Atmos Ascent vs. Atmos Summit advantages
As famous within the desk above, the Atmos Ascent and Atmos Summit share some advantages. These are:
- One free checked bag for the cardholder and as much as six different passengers on the identical reservation
- Most popular boarding on Alaska Airways and Hawaiian Airways
- 20% again on all inflight purchases
The Atmos Summit has the next $395 annual payment and elevated perks in comparison with the entry-level Atmos Ascent, which prices $95 a yr. Some advantages differ barely, however the distinctions are necessary to notice.
Companion perks
Atmos Summit cardholders obtain an annual 25,000-point International Companion Award every account anniversary and may earn a 100,000-point International Companion Award after spending not less than $60,000 on the cardboard within the prior anniversary yr.
Atmos Ascent cardholders obtain an annual $99 Companion Fare (plus taxes and costs from $23) every account anniversary after spending not less than $6,000 on the cardboard within the prior anniversary yr.
Lounge advantages
The Atmos Summit grants eight Alaska Lounge passes per yr (two per calendar quarter). To make use of the move, you have to be flying on a same-day ticketed Alaska, Hawaiian, Oneworld or associate airline flight.
In the meantime, Atmos Ascent cardholders obtain $100 off an annual Alaska Lounge+ membership, which prices $795 per yr and contains entry to all Alaska Lounges and almost 90 associate lounges.
Whereas the Atmos Ascent’s $100 low cost is beneficiant for the cardboard’s $95 annual payment, the lounge passes will present loads of worth for these flying in or out of an airport with an Alaska Lounge not less than as soon as every calendar quarter.
Standing factors
Atmos Summit cardholders earn 1 standing level for each $2 spent on the cardboard, with no spending cap. You may additionally earn 10,000 standing factors every year in your account anniversary.
Atmos Ascent cardholders earn 1 standing level for each $3 spent on the cardboard, with no spending cap.
The Atmos Summit’s 10,000 standing factors on every account anniversary mechanically places cardholders midway to Atmos Silver standing, the bottom tier in this system.
Summit unique perks
Lastly, some perks are unique to the premium Atmos Summit:
- No change charges when it is advisable make a same-day change to an Alaska flight
- $50 voucher for Alaska Airways flight cancellations or departure delays of two or extra hours
- As much as $120 in assertion credit for International Entry or TSA PreCheck each 4 years
- Eight inflight Wi-Fi passes on Alaska flights per calendar yr (two per calendar quarter)
These advantages are particularly useful to those that steadily fly on Alaska Airways.
Winner: Atmos Summit. For the next annual payment, the Summit offers a sooner path to elite standing, extra built-in perks and higher advantages for individuals who steadily fly with Alaska, Hawaiian or associate airways.
Incomes factors with the Atmos Ascent vs. the Atmos Summit
The Atmos Ascent and Atmos Summit each earn Atmos Rewards factors. The playing cards share an incomes fee on direct eligible Alaska Airways and Hawaiian Airways purchases, at 3 factors per greenback spent.
Plus, each playing cards earn a ten% rewards bonus on all factors earned from card purchases when you have an eligible Financial institution of America account.
The Atmos Summit earns 3 factors per greenback spent on eligible eating purchases and all overseas transactions, whereas the Atmos Ascent earns 2 factors per greenback spent at EV charging and gasoline stations; on native transit; and with cable, ride-hailing and choose streaming companies.
The Atmos Summit’s bonus earnings on overseas transactions are distinctive within the rewards card house, making the product a unbelievable choice when you make purchases exterior of the U.S. steadily. In the meantime, the Atmos Ascent has respectable earnings in a number of classes, particularly transportation-related bills and streaming.
Winner: Atmos Summit. The cardboard has extra profitable incomes charges and boasts probably the most fascinating bonus classes available on the market.
Redeeming factors with the Atmos Ascent vs. the Atmos Summit
You may redeem Atmos Rewards factors earned on the Atmos Summit or Atmos Ascent in the identical methods. Our favourite redemption choices are for flights on Alaska, Hawaiian, Oneworld or a associate airline.
This system gives loads of worth because of its in style award chart, which is full of redemption candy spots to maximise.
I really like utilizing Atmos Rewards factors to guide short-haul American Airways flights for 4,500 to six,000 factors.
Nonetheless, you possibly can unlock luxurious redemptions with Atmos Rewards too. As an illustration, you possibly can redeem 75,000 factors to fly Japan Airways enterprise class to Tokyo from the U.S. West Coast.
Different Oneworld companions you possibly can guide with Atmos Rewards factors embody British Airways, Fiji Airways and Qantas.
Winner: Tie. Each playing cards share the identical redemption choices.
Transferring factors with the Atmos Ascent vs. the Atmos Summit
If in case you have the Atmos Summit, you possibly can switch your Atmos Rewards factors to lodge companions. The Atmos Ascent doesn’t have this function.
These are the lodge loyalty packages you possibly can switch your Atmos Rewards factors to, together with their switch ratios:
- Marriott Bonvoy (1:1)
- IHG One Rewards (1:1)
- I Desire Resort Rewards (1:2)
- Shangri-La Circle (8:1)
- Wyndham Rewards (1:1)
We typically do not suggest transferring your Atmos Rewards factors to lodge companions, since you will not get as excessive a price as you’ll utilizing them to guide flights. Nonetheless, when you have a selected redemption in thoughts and wish just some extra factors to succeed in it, it could possibly be an excellent choice.
Winner: Atmos Summit. Though we do not suggest utilizing your factors this manner, it’s a must to have the Atmos Summit to entry this feature. You may’t switch Atmos Rewards factors when you have the Atmos Ascent.
Ought to I get the Atmos Ascent or the Atmos Summit?
If you happen to’re in search of extra advantages and better incomes charges, I like to recommend the Atmos Summit. The cardboard offers strong perks for Alaska and Hawaiian loyalists for a $395 annual payment.
Nonetheless, when you do not want the bonus perks and desire a easy card to earn extra Atmos Rewards factors and obtain fundamental perks while you fly Alaska or Hawaiian, I recommend the Atmos Ascent, since it is a sturdy choice in its personal proper.
Associated: Are premium bank cards well worth the annual payment?
Find out how to improve from the Atmos Ascent to the Atmos Summit
If you happen to’re hoping to improve from the Atmos Ascent to the extra premium Atmos Summit, you possibly can attain out to Financial institution of America and request a product change.
Nonetheless, when you go for an improve as an alternative of making use of, it’s possible you’ll miss out on the Atmos Summit’s welcome bonus. So, contemplate your choices earlier than making a decision.
If you happen to maintain the Atmos Summit and need to downgrade to the Atmos Ascent, it’s also possible to contact Financial institution of America to make that product change.
Associated: 4 main concerns earlier than upgrading your bank card
Backside line
If you happen to’re into premium perks and are loyal to Alaska, Hawaiian or their companions, the Atmos Summit offers unbelievable worth at a $395 annual payment.
Nonetheless, the Atmos Ascent is a gradual choice for a decrease annual payment. At $95, this card will present loads of worth for a lot of sorts of vacationers.
When making your resolution, assess your spending habits and what you need out of the Atmos Rewards program.
To be taught extra, learn our full critiques of the Atmos Ascent and the Atmos Summit.
Apply right here: Atmos Ascent
Apply right here: Atmos Summit
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