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AtmosTM Rewards Ascent Visa Signature® credit card Review: Big Value for Alaska Flyers

Content was accurate at the time of publication.
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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.
3.8
Atmos<sup>TM</sup> Rewards Ascent Visa Signature<sup>®</sup> credit card
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 Rate
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.
Regular APR
19.99% - 27.99% Variable APR on purchases and balance transfers

Key takeaway

If you regularly fly Alaska Airlines, the AtmosTM Rewards Ascent Visa Signature® credit card provides a lot of value. That’s mainly because of its lucrative sign-up bonus, which includes Alaska’s famous Companion Fare™.

Pros and cons

  • Generous welcome offer
  • Solid earning rate
  • Annual Companion Fare after qualifying purchases
  • Path to elite status
  • Free checked bags
  • Preferred boarding
  • $95 annual fee
  • Limited flight destinations

Is the AtmosTM Rewards Ascent Visa Signature® credit card worth it?

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.

What’s this card worth?

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.

  • First-year value: $1,557 (versus $1,020 for the average travel credit card)*
  • Ongoing value: $463 (versus $574 for the average travel credit card)*
*Based on LendingTree’s value methodology

 Not the right card for you? See other top airline credit cards.

Quick facts

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

  • 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.

Other benefits:

  • Annual $99 Companion Fare (plus taxes and fees from $23) each year you spend $6,000 or more in purchases
  • Free checked bag for you and up to six guests on the same reservation when you use your card to purchase airfare on Alaska Airlines or Hawaiian Airlines
  • Preferred boarding on Alaska Airlines when you pay for your flight with your card
  • 20% back on Alaska Airlines in-flight purchases when you pay with your new card
  • $100 off an annual Alaska Lounge Plus+ membership

Recommended credit: Good / Excellent

AtmosTM Rewards Ascent Visa Signature® credit card benefits

  • Generous sign-up bonus

    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.

  • Solid earning rate

    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.

    New Atmos™ Rewards program from Alaska Airlines and Hawaiian Airlines

    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.

  • Annual Companion Fare

    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.

  • Elite status track

    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:

    • Complimentary First Class upgrades when available
    • Complimentary Premium class upgrades when available
    • Complimentary preferred seating
  • Robust travel benefits

    The AtmosTM Rewards Ascent Visa Signature® credit card offers several valuable airline perks, including:

    • No foreign transaction fees:
      While some cards charge foreign transaction fees of 3% of the amount of each transaction when you use the card to make purchases outside of the U.S., this card does not.
    • Free checked bag:
      You and up to six additional guests traveling on the same reservation can check your first bag for free when you purchase your airfare with your credit card. This can save a family of four $280 on a round-trip flight, easily surpassing the card’s annual fee.
    • Preferred boarding:
      Receive preferred boarding when you use your card to purchase your airfare.
    • Discount on in-flight purchases:

      Get 20% back when you use your credit card to make in-flight purchases.
    • Lounge membership discount:
      When you use your card to purchase an annual Alaska Lounge+ membership, you’ll receive $100 off.
    • Rewards bonus:
      Get a 10% rewards bonus on all points earned from card purchases when you have an eligible Bank of America® account.

AtmosTM Rewards Ascent Visa Signature® credit card drawbacks

  • Annual fee

    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.

  • Limited flight destinations

    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.

AtmosTM Rewards Ascent Visa Signature® credit card vs. Chase Sapphire Preferred® Card

| Disclosures
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
N/A
19.99% - 28.24% Variable
$95
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on
  • Click APPLY NOW to apply online.
  • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • 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
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC
  • Rates & Fees
720 850
Excellent
How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


If you want a travel credit card that packs a ton of value — and you don’t want to be tied to a specific airline — the Chase Sapphire Preferred® Card is a great alternative.

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.

AtmosTM Rewards Ascent Visa Signature® credit card vs. Southwest Rapid Rewards® Premier Credit Card

| Disclosures
Southwest Rapid Rewards® Premier Credit Card*
Southwest Rapid Rewards® Premier Credit Card
N/A
19.99% - 28.49% Variable
$149
Get 3X points on Southwest® purchases, 2X points on grocery stores and
  • Earn 100,000 bonus points after you spend $4,000 in the first 5 months from account opening.
  • 6,000 anniversary points each year.
  • Earn 3X points on Southwest® purchases.
  • Earn 2X points on grocery stores and restaurants on the first $8,000 in combined purchases per anniversary year.
  • First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
  • Complimentary or Standard or Preferred seat within 48 hours prior to departure, when available
  • No foreign transaction fees.
720 850
Excellent
*The information related to the Southwest Rapid Rewards® Premier Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply
How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


If you want to get a companion pass that applies to more than one flight or your travel doesn’t align with  Alaska Airlines’ routes, you may want to consider the Southwest Rapid Rewards® Premier Credit Card. Southwest is one of only a handful of airlines that also offers a companion pass. Southwest’s pass is harder to earn, but it’s valid for the full calendar year, plus the remainder of the year in which you earned it.

How to get the Southwest Companion Pass®

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.

AtmosTM Rewards Ascent Visa Signature® credit card vs. Capital One Venture Rewards Credit Card

| Disclosures
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
N/A
19.99% - 28.99% (Variable)
$95
2 Miles per dollar on every purchase, every day; 5 Miles per
  • Click APPLY NOW to apply online.
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • 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
  • Rates & Fees
660 720 850
Good / Excellent
How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


The Capital One Venture Rewards Credit Card is another solid option if you want to get a lot of bang for your buck from a general travel rewards credit card. This card lets you earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. Plus, you’ll get 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.

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.

Is the AtmosTM Rewards Ascent Visa Signature® credit card right for you?

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

How we rate 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:

  • Average value over two years (80% of rating): We calculate the value of rewards and perks for the average cardholder using U.S. Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes the card’s sign-up bonus, annual bonus (including free night certificates) and travel perks like lounge access and travel credits. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
  • Flexibility of rewards (15% of rating): We consider how easy the rewards are to use, looking at factors like expiration dates, minimum thresholds to redeem, blackout dates and the availability of flexible redemption options like travel statement credits and cash back.
  • Other features (5% of rating): We also compare a card’s benefits, such as purchase protections, travel protections and elite status benefits against benefits from other cards.

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.