Atmos Rewards Ascent Benefits, Credits & Annual Fee

Pay with your card for onboard purchases on Alaska Airlines or Hawaiian Airlines flights and receive 20% back on those charges. This covers eligible items like food, drinks, and Wi-Fi, with the credit applied automatically and no stated dollar cap.

Get a $99 Companion Fare each year, plus taxes and fees from $23. It's awarded on your account anniversary once you've spent $6,000 or more on purchases during the prior anniversary year. Spend below that amount and you won't get the fare.

Get $100 off an annual Alaska Lounge+ membership when you buy it with your Atmos Rewards card. The discount applies to the membership purchase, not to individual lounge visits. Use your membership for lounge access under its terms.

Cardholders get to board earlier than general passengers on Alaska Airlines and Hawaiian Airlines flights. Just pay for your ticket with the card - there's no separate sign-up or enrollment needed to access this benefit.

Get a free checked bag for yourself and up to six guests on the same reservation. Pay for your Alaska Airlines or Hawaiian Airlines flight with your Atmos Rewards card to use the benefit. Guests on separate reservations do not qualify under your booking.

The card's top earning rate gives you 3 Atmos Rewards points per dollar on purchases made directly with Alaska Airlines or Hawaiian Airlines. This applies to flights and other eligible transactions coded as Alaska or Hawaiian Airlines charges.

Earn 1 Atmos Rewards Dining point for every $2 spent at participating restaurants. Your card is automatically enrolled, so use it to pay at a participating restaurant to earn these points. Restaurants outside the dining program do not qualify for this dining rate.

Earn 2 Atmos Rewards points per dollar on gas stations, EV charging, cable, select streaming services, local transit, and rideshare. The bonus applies automatically when your purchase is coded under one of these categories - no registration required.

Earn 1 status point for every $3 in net purchases that post to your Atmos Rewards Ascent card. Use your card for purchases to build status points toward Atmos Rewards status. Fees, including the annual fee, do not count as net purchases.

Every purchase that doesn't qualify for a higher bonus category earns 1 Atmos Rewards point per dollar spent. There's no cap and no spending limit, so all everyday purchases contribute to your rewards balance.

If you hold a qualifying Bank of America deposit or investment account, you'll receive a 10% bonus on every Atmos Rewards point you earn with the card. The bonus applies to your base rate and all bonus categories automatically.

Your card is automatically enrolled in Atmos Rewards Dining. Use it at participating restaurants to earn dining points through the program. Restaurant participation matters; purchases at restaurants outside the program do not earn these additional dining points.

Get enrolled in the Atmos Rewards program when you become a cardholder if you are not already a member. Alaska Airlines handles the enrollment, so you do not need to sign up separately to start using your membership to earn points.

This card adds no fees on purchases made outside the U.S. or in a foreign currency, so you won't face the extra 2-3% charge that many cards tack on. It's a straightforward perk for international travel or shopping on foreign websites.