Atmos Rewards Ascent overview: For Alaska Airways and Hawaiian Airways flyers
The Atmos™ Rewards Ascent Visa Signature® Credit score Card is an entry-level card possibility within the Atmos Rewards ecosystem.
The cardboard earns precious Atmos Rewards factors that can be utilized to ebook free flights with Alaska Airways, Hawaiian Airways and different Oneworld companions, reminiscent of American Airways, Japan Airways and Qantas. This card packs a punch and gives strong perks when flying with both airline, together with a free checked bag and most popular boarding.
Even in case you do not steadily fly on Alaska or Hawaiian, there are numerous causes for award-savvy vacationers to contemplate including this cobranded card to their wallets. Card ranking*: ⭐⭐⭐⭐
*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Atmos Rewards Ascent: The fundamentals
The Atmos Rewards Ascent is a cobranded airline card inside Atmos Rewards, the joint loyalty program between Alaska Airways and Hawaiian Airways.
For a $95 annual charge, the cardboard earns precious Atmos Rewards factors and gives just a few added advantages.
Among the greatest methods to maximise these factors embrace redeeming for premium cabins with Oneworld companions, reminiscent of Cathay Pacific or Fiji Airways. Nonetheless, Atmos Rewards factors are additionally strong for short-haul home routes on Alaska Airways or American Airways.
One of many card’s standout perks is its annual $99 Companion Fare (plus taxes and charges from $23), which is earned upon every account anniversary so long as you’ve got spent $6,000 or extra inside the prior anniversary yr.
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Typically, it is a strong possibility for Alaska or Hawaiian frequent flyers, due to the perks they will get pleasure from when flying with both airline, reminiscent of free checked baggage and most popular boarding.
Nonetheless, in case you’re on the lookout for extra premium perks, reminiscent of lounge entry, this card will not meet your wants.
Associated: Which bank card must you use for Alaska Airways flights?
Atmos Rewards Ascent execs and cons
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Atmos Rewards Ascent advantages
The Atmos Rewards Ascent gives fewer added advantages in comparison with different cobranded airline playing cards. Nonetheless, for a $95 annual charge, you’ll be able to nonetheless count on just a few perks.
Perks when flying Alaska Airways or Hawaiian Airways
Cardholders obtain one piece of free checked baggage for themselves and as much as six different passengers on the identical reservation when flying Alaska or Hawaiian and paying with the Atmos Rewards Ascent. This protects $35 per individual every means for checked baggage, which is a big financial savings in case you plan to fly with both airline steadily.
Cardholders additionally get most popular boarding on Alaska and Hawaiian, and so they’ll obtain 20% again on Alaska Airways and Hawaiian Airways inflight purchases after they use the cardboard.
If you happen to’re working towards Atmos Rewards standing, you’ll be able to earn by utilizing the cardboard. You may count on to earn 1 standing level for each $3 spent (as much as a most of 30,000 factors per yr by the top of 2025). From 2026, there is no cap on standing factors you’ll be able to earn by spending.
Companion Fare
As talked about above, among the finest advantages of the Atmos Rewards Ascent is the $99 Companion Fare (plus taxes and charges from $23). This may be unlocked after spending $6,000 or extra on the cardboard inside the prior anniversary yr.
You will get worth from this perk so long as you fly Alaska Airways with a good friend or member of the family on paid fares a minimum of every year.
Carly Helfand, TPG’s director of factors, miles and bank card content material, used the Ascent’s Companion Fare to take a last-minute journey to Chicago together with her husband. The round-trip flights from Portland Worldwide Airport (PDX) to Chicago’s O’Hare Worldwide Airport (ORD) value $542.60 per individual, however she paid $679.63 for each tickets with the Companion Fare.
Alaska Lounge+ membership low cost
Whereas the Atmos Rewards Ascent would not present outright lounge entry, you may get $100 off an annual Alaska Lounge+ membership if you pay with this card. A membership prices $795 per yr.
This profit alone offsets the cardboard’s $95 annual charge. Nonetheless, given how costly membership is, this perk is not as helpful until you have been already going to pay for an Alaska Lounge+ membership.
Different issues
It is value noting that this card would not present fundamental journey protections reminiscent of baggage delay insurance coverage, misplaced baggage insurance coverage, buy safety and journey cancellation/interruption protection. If these perks are vital to you, it’s possible you’ll need to take into account an alternate possibility.
Lastly, this can be a good card to take overseas because it would not cost international transaction charges.
Associated: The 4 greatest airline bank cards with annual charges underneath $100
The right way to earn and use Atmos Rewards factors
The Atmos Rewards Ascent earns Atmos Rewards factors on purchases. These factors are sometimes greatest used for flight purchases. Let’s dive into what to know.
Incomes Atmos Rewards factors
With this card, you will earn:
- 3 factors per greenback spent on eligible Alaska Airways and Hawaiian Airways purchases
- 2 factors per greenback spent on cable, at electrical automobile charging and fuel stations, on native transit and ride-hailing companies, and on choose streaming companies
- 1 level per greenback spent on all different eligible purchases
Plus, cardholders with an eligible Financial institution of America account may even obtain a ten% bonus on all factors earned.
TPG’s December 2025 valuations estimate Atmos Rewards factors are value 1.45 cents apiece.
This card is probably not the most suitable choice for spending classes outdoors of Alaska and Hawaiian purchases. Nonetheless, in case you’re all-in on incomes Atmos Rewards factors, swiping this card turns into extra enticing.
Redeeming Atmos Rewards factors
Atmos Rewards gives stellar redemption charges on home journey. Brief-haul financial system tickets begin at simply 4,500 factors one-way.
One among my favourite methods to redeem Atmos Rewards factors is to ebook short-haul American Airways flights, reminiscent of Charlotte Douglas Worldwide Airport (CLT) to Louisville Muhammad Ali Worldwide Airport (SDF) in Kentucky, at this 4,500 factors fee.
It is nonetheless a very good element to redeem for longer home flights, as a flight from Seattle-Tacoma Worldwide Airport (SEA) to New York’s John F. Kennedy Worldwide Airport (JFK) would value simply 12,500 factors for a one-way financial system ticket.
Premium cabins can begin as little as 15,000 factors one-way on shorter flights and 30,000 factors on longer U.S. routes. For journeys to Hawaii, these awards sometimes begin at 15,000 factors every means in financial system and 40,000 factors every means in top quality.
Atmos Rewards is a part of the Oneworld alliance, which implies you’ll be able to ebook accomplice flights with airways reminiscent of British Airways, Cathay Pacific and Qantas.
TPG Director of Journey Content material Eric Rosen’s favourite methods to maximise Atmos Rewards redemptions embrace reserving Cathay Pacific or Japan Airways enterprise class from the U.S. to Asia for 75,000 factors one-way and Fiji Airways enterprise class from the U.S. to Fiji for 75,000 factors one-way.
Associated: 10 greatest methods to redeem 100,000 Alaska Airways Atmos Rewards factors
The place the Atmos Rewards Ascent falls brief
Whereas there are a number of execs to holding the $95-annual-fee Atmos Rewards Ascent, there are a few the reason why it’s possible you’ll not need to apply.
- The cardboard doesn’t embrace journey protections.
- The cardboard’s incomes charges aren’t exceptionally excessive, and plenty of different journey playing cards present a greater return to your spending.
- You need to spend $6,000 on the cardboard in an account anniversary yr to earn the Companion Fare.
- You could fly on Alaska Airways or Hawaiian Airways to obtain a free checked bag or most popular boarding.
Atmos Rewards Ascent vs. Atmos Rewards Summit
If you’re able to go all-in on Atmos Rewards, take into account its premium sibling: the Atmos™ Rewards Summit Visa Infinite® Credit score Card.
For a better $395 annual charge, the cardboard gives Alaska Lounge passes, a 25,000-point World Companion Award yearly and a excessive incomes fee on international purchases.
Associated: The right way to attain Alaska Airways elite standing with simply 1 card
Is the Atmos Rewards Ascent value it?
The Atmos Rewards Ascent is an effective way to gather precious Atmos Rewards factors. If you happen to worth that forex extremely, this card is a implausible start line.
Nonetheless, in case you discover the incomes charges restrictive and the advantages underwhelming, an alternative choice could also be your best option.
Associated: Atmos Rewards Ascent vs. Enterprise: Which $95 Alaska-Hawaiian card must you get?
When to use for the Atmos Rewards Ascent
New Atmos Rewards Ascent cardholders can earn 60,000 bonus factors and a $99 Companion Fare (plus taxes and charges from $23) after spending $3,000 on purchases within the first 90 days from account opening, plus obtain a 30% international flight low cost code for a qualifying future flight after opening their new account.
TPG’s valuations deem the factors on this provide to be value $870.
This card’s provide historical past is proscribed, as we have solely seen this bonus and its launch bonus. However with that in thoughts, we typically advocate making use of when the bonus gives greater than 60,000 factors and features a Companion Fare.
Associated: Final-minute methods for incomes Alaska Airways Atmos Rewards elite standing
Different playing cards to contemplate if you don’t need the Atmos Rewards Ascent
If you happen to aren’t sure concerning the Atmos Rewards Ascent, listed below are some alternate options value contemplating:
For added choices, try our full listing of the perfect journey bank cards.
Backside line
Atmos Rewards factors you will earn on the Atmos Rewards Ascent unlock implausible redemption charges on home flights, in addition to worldwide routes by its Oneworld companions.
Award-savvy vacationers know you do not have to be an Alaska Airways or Hawaiian Airways loyalist to benefit from the rewards you earn with this card. Nonetheless, a number of the card’s perks could go unused in case you do not a minimum of often fly with considered one of its main airways.
Take into account what issues most to you in trade for a $95 annual charge, and you will be in your approach to hitting the skies.
Apply right here: Atmos Rewards Ascent Visa Signature Credit score Card
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