Atmos™ Rewards Ascent Visa Signature® Credit Card
This card is for travelers who fly Alaska Airlines or Hawaiian Airlines at least once a year. The yearly $99 Companion Fare alone can cover the $95 annual fee many times over. Earning is 3 points per $1 with the airlines and 2 points per $1 on gas, EV charging, cable, streaming and local transit. One caveat: outside those categories the card earns just 1 point per $1.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $99 Companion Fare each anniversary year after $6,000 in purchases, valid on Alaska and Hawaiian flights within North America
- Free checked bag for you and up to six guests on the same reservation
- 70,000-point welcome offer with a $2,500 spend requirement
- 3 points per $1 on Alaska Airlines and Hawaiian Airlines purchases
- $100 off an annual Alaska Lounge+ membership
- Accelerated path toward Atmos elite status
- No foreign transaction fees
- Annual fee: $95
- Regular purchase APR: 19.49% - 27.49% Variable
- Intro purchase APR: N/A
- Intro balance transfer APR: N/A
- Balance transfer fee: 4% to 5% of each transfer
- Cash advance APR: 22.49% - 29.24% Variable depending on advance type, fee 4% to 5%
- Late payment fee: Up to $41
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You fly Alaska Airlines or Hawaiian Airlines with a partner at least once a year, and the Companion Fare pays for the card by itself.
- You check bags: the free first bag for up to seven people on one reservation saves up to $70 per person round trip.
- Your commute spend on gas, EV charging, transit and streaming earns a doubled rate here.
- You want a co-brand card with no foreign transaction fees for international oneworld travel.
- You should skip it if you rarely fly Alaska or Hawaiian; a flexible travel card earns more on general spending.
Atmos™ Rewards Ascent Visa Signature® Credit Card Review
Alaska Airlines rebranded its loyalty program to Atmos Rewards in 2025, and its long-running Visa Signature card became the Ascent. The card kept what made it valuable: the Companion Fare, free checked bags, and Alaska's high-value miles, now shared with Hawaiian Airlines. This review explains what changed and who still comes out ahead.
How You Earn
Earning centers on the two airlines, with a practical set of everyday 2x categories. Status points accrue from card spending alongside redeemable points.
- 3 points per $1 on eligible Alaska Airlines and Hawaiian Airlines purchases
- 2 points per $1 on gas, EV charging, cable, streaming and local transit
- 1 point per $1 on all other purchases
| Category | Earn rate |
|---|---|
| Alaska Airlines and Hawaiian Airlines purchases | 3 points per $1 |
| Gas, EV charging, cable, streaming, local transit | 2 points per $1 |
| All other purchases | 1 point per $1 |
How You Redeem
Atmos Rewards points book award flights on Alaska, Hawaiian and oneworld partner airlines. Partner awards are where the program's value peaks.
- Award flights on Alaska Airlines and Hawaiian Airlines
- Partner awards across the oneworld alliance and other partners
- The $99 Companion Fare applies to paid Alaska and Hawaiian fares within North America
Benefits and Protections
The travel perks carry the card. Bag fees and companion pricing are where the math turns in your favor.
- Free first checked bag for you and up to six guests on the same reservation
- $99 Companion Fare every anniversary year after $6,000 in purchases
- $100 off an annual Alaska Lounge+ membership
- No foreign transaction fees
Who This Card Is For
The Ascent rewards loyalty, not volume. One or two Alaska or Hawaiian round trips a year with a companion is enough to justify the fee. West Coast and Hawaii-based travelers get the most from the route map.
- Households that fly Alaska or Hawaiian together
- Travelers who check bags on those airlines
- Flyers building Atmos elite status
Comparison
| Feature | Atmos™ Rewards Ascent | Delta SkyMiles® Gold Amex | Citi® / AAdvantage® Platinum Select® |
|---|---|---|---|
| Annual Fee | $95 | $0 intro for the first year, then $150 | $0 intro for the first year, then $99 |
| Welcome Offer | 70,000 pts + Companion Fare ($2,500 in 90 days) | As high as 80,000 miles + $250 credit | 50,000 miles ($2,500 in 3 months) |
| Rewards Rate | 3x Alaska and Hawaiian | See issuer page | 2x restaurants, gas and AA |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Alaska and Hawaiian flyers | Delta flyers | American flyers |
Issuer Comparison
| Feature | Ascent Visa Signature® | Summit Visa Infinite® | Atmos™ Rewards Business |
|---|---|---|---|
| Annual Fee | $95 | $395 | $70 company plus $25 per card |
| Welcome Offer | 70,000 pts + Companion Fare | 80,000 bonus points | 70,000 pts + Companion Fare |
| Rewards Rate | 3x Alaska and Hawaiian, 2x gas and transit | 3x dining, foreign and airline purchases | 3x Alaska and Hawaiian, 2x gas and shipping |
| Key Credits | $99 Companion Fare yearly, bag fee waivers | 25,000-pt Global Companion Award, 8 lounge passes | $99 Companion Fare yearly, $100 off Lounge+ |
| Best For | Leisure loyalists | Premium and international travelers | Business owners who fly Alaska |
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.