Atmos Rewards Credit score Card Bonus Provides & Eligibility Guidelines Defined

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 

We’ve simply seen Alaska Airways and Hawaiian Airways utterly overhaul their bank card portfolio, with the launch of the Atmos Rewards program.

The brand new program has three co-branded bank 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 — all of that are distinctive, and are presently providing restricted time welcome bonuses.

On this publish, I’d wish to go over the small print of the welcome affords on these playing cards, adopted by discussing card eligibility. Let me say up entrance that it’s potential to get multiple of those playing cards, so that you’re in all probability eligible for considered one of these playing cards even when you have already got a card within the portfolio.

Atmos Rewards bank card welcome bonus supply particulars

Financial institution of America and Alaska Air Group companion on issuing three co-branded bank cards, all with Atmos Rewards branding, changing the earlier Mileage Plan program. In the mean time, all three playing cards have glorious welcome bonuses (sadly we don’t know once they’ll be pulled), so let’s cowl the small print of the bonuses, plus the fundamentals of why it’s possible you’ll need to take into account these playing cards.

Atmos Rewards Summit Card bonus & advantages

The Atmos Rewards Summit Card has a $395 annual payment, and is probably the most premium private card within the assortment. The cardboard is providing a restricted time welcome bonus of 100,000 Atmos Rewards factors plus a 25,000-point World Companion Award after spending $6,000 inside the first 90 days.

Whereas this card has the best annual payment of the three playing cards, it affords an unbelievable worth proposition. Perks embrace the next, amongst different issues:

• An unimaginable rewards construction, together with 3x factors on all overseas purchases (an unimaginable 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 12 months
• As much as eight Alaska Lounge passes and as much as eight Alaska inflight Wi-Fi passes per 12 months, within the type of two of every cross 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 for gratis (and vice versa)

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

Atmos Rewards Ascent Card bonus & advantages

The Atmos Rewards Ascent Card has a $95 annual payment, and is the extra primary of the 2 private playing cards within the assortment. The cardboard is providing a restricted time welcome bonus of 80,000 Atmos Rewards factors plus a $99 Companion Fare (with taxes & charges beginning at $23) after spending $4,000 inside the first 120 days.

It is a nice possibility for a low payment card that also affords appreciable worth for somebody who flies Alaska or Hawaiian with any frequency. A number of the card’s perks embrace the next:

• Some helpful bonus classes, together with 3x factors on Alaska & Hawaiian purchases, and 2x factors on fuel, EV charging stations, native transit (together with journey 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 for spending $6,000 on the cardboard per anniversary 12 months
• A primary checked bag free and 20% financial savings on inflight purchases on Alaska & Hawaiian flights
• Most popular boarding on Alaska flights

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

Atmos Rewards Enterprise Card bonus & advantages

The Atmos Rewards Enterprise Card has a minimal of a $95 annual payment ($70 for the account and $25 per card), and is the enterprise card within the portfolio. The cardboard is providing a restricted time welcome bonus of 80,000 Atmos Rewards factors plus a $99 Companion Fare after spending $5,000 inside the first 90 days.

The perks on this card are similar to the perks on its private card equal. These embrace the next, amongst different issues:

• Some helpful bonus classes, together with 3x factors on Alaska & Hawaiian purchases, and 2x factors on fuel, EV charging stations, native transit (together with journey 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 12 months
• A primary checked bag free and 20% financial savings on inflight purchases on Alaska & Hawaiian flights
• Most popular boarding on Alaska flights

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

Atmos Rewards Financial institution of America bank card eligibility guidelines

With the above out of the way in which, who’s eligible for the welcome affords on the Atmos Rewards Summit Card, Atmos Rewards Ascent Card, and Atmos Rewards Enterprise Card?

You’re eligible for all three Atmos Rewards playing cards

Let me begin by stating that eligibility for all three Atmos Rewards playing cards (together with the welcome affords) is taken into account independently. So if you have already got the Atmos Rewards Ascent Card, you may apply for the Atmos Rewards Summit Card, and vice versa. The identical is true for the Atmos Rewards Enterprise Card.

So guidelines can’t get simpler in that regard. At a minimal, for the reason that Atmos Rewards Summit Card is model new, nearly everybody needs to be eligible for the bonus on that card.

How current Alaska & Hawaiian bank cards issue into this

How does card eligibility work when you have an current Alaska Airways Financial institution of America card, or Hawaiian Airways Barclays card?

Let’s begin with the simpler a part of the reply. When you have both of the Hawaiian Airways Barclays playing cards (whether or not private or enterprise) that doesn’t impression your capability to qualify for any of the Atmos Rewards playing cards, together with the welcome bonuses.

In the meantime when you have any former Alaska Airways Financial institution of America playing cards, these playing cards have been transformed (or are within the technique of being transformed) into considered one of these new Atmos Rewards playing cards:

So that you wouldn’t be eligible for the bonus on a kind of playing cards when you presently have it. Nevertheless, you’d seemingly be eligible for the bonus on whichever card you don’t have, which undoubtedly contains the premium Atmos Rewards Summit Card (because it’s a brand new product).

What about when you’ve had one of many above playing cards up to now? Financial institution of America doesn’t usually have a “as soon as in a lifetime” rule. As a substitute, you sometimes have to attend 24 months from if you closed a card earlier than you may qualify for the bonus on a card once more (although some report incomes a bonus ahead of that). Nevertheless, that’s not a broadcast rule, and also you’ll discover that provide phrases name this a “one-time promotion” that’s “restricted to clients opening a brand new account.

Common Financial institution of America utility guidelines to know

Past the principles particular to the Atmos Rewards playing cards, what normal issues do you have to concentrate on if making use of for a Financial institution of America card? Listed here are the 2 commonest Financial institution of America restrictions:

• Financial institution of America has the two/3/4 rule, that means you may open at most two Financial institution of America playing cards each two months, at most three Financial institution of America playing cards each 12 months, and at most 4 Financial institution of America playing cards each 24 months; this is applicable solely to non-public playing cards, and never enterprise playing cards
• Financial institution of America has the three/12 rule, that means you is probably not accepted for a card when you’ve opened three or extra new playing cards with any card issuer up to now 12 months; this is applicable solely to non-public playing cards, and never enterprise playing cards, and it additionally doesn’t appear to use when you have a banking relationship with Financial institution of America (which you will need to have anyway, to get the ten% relationship bonus factors)

Neither of these guidelines appear to be completely persistently enforced, and specifically, that latter coverage doesn’t appear constant in any respect. For instance, I’ve opened greater than three new playing cards up to now 12 months, and I nonetheless utilized.

Many report instantaneous approvals on Atmos Rewards playing cards

How onerous are Financial institution of America playing cards to get accepted for, typically? Clearly that is solely based mostly on anecdotal studies, however in my expertise, Financial institution of America playing cards are usually fairly straightforward to get accepted for, and I additionally discover they sometimes have fairly giant credit score limits. Nevertheless, the issuer can be quirky with denials, particularly based mostly on the above two guidelines.

What’s the perfect Atmos Rewards bank card technique to take?

So, what’s the perfect play when you’re contemplating choosing up an Atmos Rewards bank card, between the Atmos Rewards Summit Card, Atmos Rewards Ascent Card, and Atmos Rewards Enterprise Card? Truthfully, you may’t go mistaken with any mixture of playing cards right here. Just a few ideas:

• The welcome bonuses on all of those playing cards are large, in order that’s an enormous incentive to select up a number of of those playing cards
• I’d argue that these playing cards are probably enhances, and it might probably make sense to select up a number of of them and maintain them long run, particularly when you worth the 25,000-point or 100,000-point World Companion Awards, or $99 Companion Fares
• Should you’re going to use for 2 playing cards in a brief time period, I’d usually advocate making use of for one private card and one enterprise card, to maximise your odds of approval
• Personally, I believe the Atmos Rewards Summit Card is a no brainer when you’re engaged within the Atmos Rewards ecosystem, however when you don’t need to pay the $395 annual payment, the Atmos Rewards Ascent Card is a superb different; you may complement both of these playing cards with the Atmos Rewards Enterprise Card

For instance, I’ve shared my expertise getting accepted for the Atmos Rewards Summit Card. My plan now’s to quickly apply for the Atmos Rewards Enterprise Card.

Backside line

There are actually three Atmos Rewards bank cards. This contains the model new premium Atmos Rewards Summit Card, plus the Atmos Rewards Ascent Card and Atmos Rewards Enterprise Card, that are rebrandings of earlier Alaska bank cards.

These are all worthwhile playing cards with enormous restricted time welcome affords, so when you’re eligible for any of those playing cards, I’d extremely advocate making use of. One factor that’s nice is that eligibility necessities for these playing cards aren’t too strict, within the sense that you may qualify for every of those playing cards, and earn the welcome affords.

Hopefully the above is a helpful rundown of the principles surrounding getting accepted for these playing cards.

Are there any Atmos Rewards bank card utility questions I haven’t coated? Should you’ve utilized for considered one of these playing cards, what was your expertise like?