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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.If you fly frequently with Alaska Airlines and want to earn rewards to use toward free flights, the AtmosTM Rewards Ascent Visa Signature® credit card is well worth its $95 annual fee. West Coast fliers will benefit the most from this card, thanks to its valuable companion fare offer and Alaska Airlines-specific perks like free checked bags on eligible flights.
Since the AtmosTM Rewards Ascent Visa Signature® credit card partners with the oneworld® Alliance and other airline programs, its points can be redeemed for flights to more than 1,000 destinations across the globe. Still, you’ll get the most value out of this card by flying on Alaska Airlines. If you live outside the West Coast, you should check out an airline credit card with a wider flight network.
Compared to other travel credit cards, the AtmosTM Rewards Ascent Visa Signature® credit card offers tremendous value during the first year of card membership, mainly due to its sign-up bonus. But after that, the value goes down considerably.
→ Not the right card for you? See other top airline credit cards.
Annual fee: $95
Regular purchase APR: 19.99% - 27.99% Variable APR
Foreign transaction fee: None
Sign-up bonus: 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.
Rewards: 1X - 3X points
Other benefits:
Recommended credit: Good / Excellent
Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Welcome Offer | |
---|---|---|---|---|---|
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AtmosTM Rewards Ascent Visa Signature® credit card*
|
$95 | 1X - 3X points
| 80,000 points
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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Chase Sapphire Preferred® Card
|
$95 | 1X - 5X points
| 75,000 points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
| ||
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Southwest Rapid Rewards® Premier Credit Card*
|
$149 | 2X - 3X points
| 100,000 points
Earn 100,000 bonus points
after you spend $4,000 in the first 5 months from account opening.
| ||
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Capital One Venture Rewards Credit Card
|
$95 | 2X - 5X Miles
| 75,000 miles
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
|
The AtmosTM Rewards Ascent Visa Signature® credit card offers an extremely valuable sign-up bonus for new cardholders: 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.
This sign-up bonus is pretty on par for an airline credit card that charges a $95 annual fee. But where this card stands out is its companion fare offer — it can potentially save you hundreds to thousands of dollars in airfare if you regularly travel with a friend or family member.
→ Learn more about the best credit card sign-up bonuses.
This card gets you elevated rewards in a variety of popular spending categories. You’ll 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.
The value you get for your points can exceed its competitors when you redeem them for flights on Alaska Airlines. A round-trip flight from Seattle to San Francisco can cost just 9,500 points in economy. Longer flights, such as from Seattle to New York City, can run as low as 22,500 points for a round-trip flight.
As of 2025, Alaska Airlines and Hawaiian Airlines share a new rewards program, Atmos Rewards. Some new changes to the program will include being able to choose out of three ways to earn points and status points points: distance traveled, price paid or segments flown, starting later in 2026.
New partner benefits will be available as well, such as 2 points for every $1 spent on everyday Lyft rides, and 3 points for every $1 spent on airport and elevated Lyft rides.
→ Learn more about the best rewards credit cards.
Beyond the sign-up bonus, you can continue to earn Alaska’s Famous Companion Fare™. Every year on your credit card account anniversary, you’ll receive a companion fare after you spend $6,000 or more on purchases within the prior anniversary year. This allows you to book a companion flight starting at $122 ($99 base fare plus taxes and fees from $23, depending on your flight itinerary). Note, the companion fare is only valid on Alaska Airlines coach fares booked on alaskaair.com with your card. Aside from that, this benefit is fairly flexible and can save you significantly each year.
Let’s say, for example, you book a flight for you and your spouse from Seattle to New York over the Thanksgiving holiday. The two round-trip tickets could run you a total of $2,510. But if you have the companion fare benefit, you’ll only end up paying over $1,354 for both tickets, plus any additional taxes and fees.
Earn 1 status point for every $3 spent in net purchases (exclusive of any fees, such as the annual fee) during 2025 up to a maximum of 30,000 status points. Beginning in 2026, there will be no cap on the amount of status points you can earn in a calendar year.
With different Atmos Rewards tiers, you can unlock perks like:
The AtmosTM Rewards Ascent Visa Signature® credit card offers several valuable airline perks, including:
The AtmosTM Rewards Ascent Visa Signature® credit card charges a $95 annual fee. Note that this is a standard fee for an airline credit card, and you can easily justify it each year with perks like free checked bags and a companion fare.
There are travel credit cards available with no annual fees, but those typically offer lower sign-up bonuses and fewer benefits.
Unless you travel to and from destinations served by Alaska Airlines — which primarily include Western states like Alaska, California and Washington — this card probably won’t be a good fit.
That said, the airline does offer limited flights to select cities in other parts of the U.S. and internationally, including New York, Florida, Canada and Mexico. Plus, you can use points to fly on 24 global partners, including American Airlines, British Airways and Cathay Pacific.
You can earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. For ongoing rewards, you’ll 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.
Similar to the AtmosTM Rewards Ascent Visa Signature® credit card, the Chase Sapphire Preferred® Card has an annual fee of $95. However, it provides the ability to transfer your points to a number of airline and hotel loyalty partners, including British Airways Executive Club, JetBlue TrueBlue, Southwest Airlines Rapid Rewards® and United MileagePlus, at a 1:1 rate.
To earn the Southwest Companion Pass, you’ll need to fly 100 qualifying one-way flights or earn 135,000 qualifying points in a calendar year. Anyone Rapid Rewards member who meets these requirements can earn it (you don’t need to be a Southwest cardholder). Note, you can change your designated companion up to three times per calendar year.
To help you get the Companion Pass faster, the Southwest Rapid Rewards® Premier Credit Card lets you earn 100,000 bonus points after you spend $4,000 in the first 5 months from account opening. You’ll also Get 3X points on Southwest® purchases, 2X points on grocery stores and restaurants on the first $8,000 in combined purchases per anniversary year and 1X points on other purchases.
Just keep in mind that this card comes with a $149 annual fee.
→ Learn more about the best Southwest credit cards.
The Capital One Venture Rewards Credit Card doesn’t offer a companion pass, but you can transfer miles at a rate of 1:1 to more than 15 partners, including Air Canada, British Airways Executive Club, Emirates Skywards and Singapore Airlines KrisFlyer.
Similar to the other cards included in this post, the Capital One Venture Rewards Credit Card charges an annual fee of $95.
If you typically travel with a companion on routes offered by Alaska Airlines, you should definitely consider the AtmosTM Rewards Ascent Visa Signature® credit card. While Alaska Airlines’ route network may not be as extensive as other airlines, its card offers a ton of value to frequent flyers on those routes. Plus, its membership in the oneworld Alliance means you can use points to travel to most places.
But if you don’t want a card tied to a specific airline, the Chase Sapphire Preferred® Card or Capital One Venture Rewards Credit Card will give you more flexibility in how you can earn and spend your rewards.
→ Want to see more travel credit card options? See the Best Travel Credit Cards
We take a comprehensive, data-driven approach to identify the best travel credit cards. We use an objective rating and ranking system that evaluates over 200 credit cards from more than 50 issuers. All recommendations are made by LendingTree’s editorial team, completely independent of affiliate partnerships or compensation. Every card is selected based on its merit and ability to help people achieve their financial goals. We use the following criteria to make our picks:
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® Premier 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.