Atmos Rewards Ascent Visa Signature Credit Card Review

All information about the Atmos™ Rewards Ascent Visa Signature® Credit Card has been collected independently by AskSebby.com.

The Atmos™ Rewards Ascent Visa Signature® credit card is the rebranded version of the well-known Alaska Airlines Visa Signature® Credit Card, now updated to reflect the merger of Alaska Airlines and Hawaiian Airlines' loyalty programs. With a competitive $95 annual fee, a generous welcome offer, and travel perks that span two airlines, the Atmos Ascent card offers strong value for loyal travelers on the West Coast and to Hawaii. Coming soon: international routes to Asia and Europe. 

This review covers the updated benefits, how Atmos Rewards work, and how the card compares to other travel credit cards in its class. We also address the biggest question: is the Atmos Ascent card still worth it post-rebrand?

Atmos Ascent: Quick Snapshot

• Annual Fee: $95
• Key Earning Categories: 3x on Alaska/Hawaiian flights, 2x on everyday essentials, 1x on other spend
• Top Benefits: Free bags, Companion Fare, priority boarding, in-flight discounts, 10% Bank of America boost, and no foreign transaction fees

Terms apply.

Atmos Rewards Explained: What Changed?

Atmos Rewards is the new loyalty program replacing Alaska Mileage Plan. But don’t worry, if you were an Alaska loyalist, your miles converted 1:1 into Atmos points. If you fly Hawaiian Airlines, good news: benefits now extend to Hawaiian flights too.
 

That means you can earn and redeem points across two domestic carriers with extensive West Coast and Pacific coverage, plus over 1,000 destinations via oneworld alliance partners. For many travelers, this opens up new redemption options without sacrificing value.

Why the Companion Fare Is a Game-Changer

The standout benefit of this card remains the Companion Fare, a companion ticket on the same reservation for just $99 (plus taxes and fees), once you spend $6,000 per cardmember year. This isn’t a one-time perk; it’s an annual benefit. Since it works on both Alaska and Hawaiian Airlines, the value goes further.
 

For example, if you pay $500 for a round-trip flight from San Francisco to Honolulu, your companion fare is just $99 + $23 in taxes. That’s real, measurable savings. For couples or families traveling together, this alone can justify the card’s $95 annual fee.

Real-World Savings with Free Checked Bags

A family of four flying round-trip could save up to $240 in checked bag fees. That’s because the card waives the first bag fee for the primary cardholder and up to six companions on the same reservation. This benefit also applies to Hawaiian Airlines too.
 

Combined with the Companion Fare, the Ascent card is arguably one of the most budget-friendly travel cards for families based on the West Coast.

Everyday Use Makes a Case for Your Wallet

Unlike some airline cards that collect dust until your next flight, the Atmos Ascent card offers 2x on practical everyday spending: gas, EV charging, transit, streaming, and cable. That makes it easier to rack up points year-round and qualify for the Companion Fare.
 

The card also gives Bank of America customers an additional 10% rewards bonus, creating synergy for those already banking with BofA.

What’s Missing? Limitations to Know

• No lounge access (just $100 off annual membership)
• No TSA PreCheck/Global Entry credit
• The $99 Companion Fare (plus taxes and fees of $23) issued each account anniversary requires a minimum of $6,000 in purchases within the prior anniversary year. Valid only on Alaska Airlines and Hawaiian Airlines flights within North America booked on AlaskaAir.com.

 If luxury travel perks or flexible redemption options are your top priority, this might not be your top pick.

Verdict: Who Should Get the Atmos Rewards Ascent Card?

If you fly Alaska or Hawaiian Airlines at least a few times per year, this card is a no-brainer. The Companion Fare and free bags alone could cover the cost of the annual fee several times over. Add in 3x earning on flights and practical 2x categories, and the Atmos Ascent becomes a strong everyday card too.
 

However, if you prefer transferable points, luxury travel perks, or rarely fly with Alaska/Hawaiian, you may want to consider alternatives, such as the Capital One Venture X Rewards Credit Card.
 

For West Coast travelers and Hawaii regulars, the Atmos Rewards Ascent Visa Signature card is one of the best value airline cards on the market.

Frequently Asked Questions

Q: Is the Atmos Ascent Card worth the $95 annual fee?

It depends, only if you can use the Companion Fare or fly Alaska/Hawaiian regularly. 
 

Q: Do Atmos Rewards points expire?

No, points do not expire as long as your account is active and in good standing.
 

Q: Is this card good for international travel?

Yes. You’ll pay no foreign transaction fees, and you can redeem Atmos points on oneworld partner flights.
 

Q: What changed from the old Alaska card?

The card was renamed and rebranded under Atmos Rewards, but the core benefits (Companion Fare, free bags, earning rates) remain the same or improved.
 

Q: Can I use Atmos Rewards on Hawaiian Airlines?

Yes. Benefits and redemptions now apply to Hawaiian flights too, including free bags and 3x points on airfare.