Atmos Rewards is the joint loyalty program for Alaska Airlines and Hawaiian Airlines flyers.
Whereas Atmos Rewards’ major goal is somebody who steadily flies with these carriers, this system offers more than meets the eye. Atmos Rewards factors are helpful, price 1.45 cents apiece per TPG’s January 2026 valuations, and can be utilized to guide flights with Oneworld partners comparable to American Airlines.
This system presents two private cobranded bank cards issued by Bank of America. The Atmos™ Rewards Ascent Visa Signature® credit card is a strong entry-level rewards card with a $95 annual payment.
In the meantime, the Atmos™ Rewards Summit Visa Infinite® Credit Card is a premium card for Alaska and Hawaiian loyalists, loaded with perks for a $395 annual payment.
Which card is best for you? Let’s dive in and see which Atmos Rewards card it is best to add to your pockets.
Atmos Ascent vs. Atmos Summit comparability
| Card | Atmos Ascent | Atmos Summit |
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$95 |
$395 |
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Earn 70,000 bonus factors and a $99 Companion Fare (plus taxes and costs from $23) after spending $3,000 on purchases inside the first 90 days of opening an account. |
Earn 80,000 bonus factors and a 25,000-point World Companion Award after spending $4,000 on purchases inside the first 90 days of opening an account. |
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Advantages when flying Alaska or Hawaiian
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$100 off an annual Alaska Lounge+ Membership |
Eight Alaska lounge passes yearly (two passes every calendar quarter) |
Atmos Ascent vs. Atmos Summit welcome bonus
Each playing cards present strong welcome bonuses.
New candidates for the Atmos Ascent can earn 70,000 bonus factors and a $99 Companion Fare (plus taxes and costs from $23) after spending $3,000 on purchases inside the first 90 days of opening their account.
Per TPG’s valuations, the factors on this provide are price $1,015.
In the meantime, the Atmos Summit is providing new cardholders the possibility to earn 80,000 bonus factors and a 25,000-point World Companion Award after spending $4,000 on purchases inside the first 90 days of opening your account.
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This provide is price as much as $1,523 whenever you mix the worth of the bottom factors and the World Companion Award, in response to TPG’s valuations.
Winner: Atmos Summit. Regardless that the spending requirement is greater, you may obtain extra factors with this bonus. Nonetheless, should you’d be extra comfy with a decrease spending requirement or incomes a Companion Fare as a substitute of extra factors, the Ascent could possibly be a greater possibility.
Atmos Ascent vs. Atmos Summit advantages
As famous within the desk above, the Atmos Ascent and Atmos Summit share some advantages. These are:
- One free checked bag for the cardholder and as much as six different passengers on the identical reservation
- Most popular boarding on Alaska Airways and Hawaiian Airways
- 20% again on all inflight purchases
The Atmos Summit has the next $395 annual payment and elevated perks in comparison with the entry-level Atmos Ascent, which prices $95 a yr. Some advantages differ barely, however the distinctions are essential to notice.
Companion perks
Atmos Summit cardholders obtain an annual 25,000-point World Companion Award every account anniversary and might earn a 100,000-point World Companion Award after spending a minimum of $60,000 on the cardboard within the prior anniversary yr.
Atmos Ascent cardholders obtain an annual $99 Companion Fare (plus taxes and costs from $23) every account anniversary after spending a minimum of $6,000 on the cardboard within the prior anniversary yr.
Lounge advantages
The Atmos Summit grants eight Alaska Lounge passes per yr (two per calendar quarter). To make use of the cross, you should be flying on a same-day ticketed Alaska, Hawaiian, Oneworld or associate airline flight.
In the meantime, Atmos Ascent cardholders obtain $100 off an annual Alaska Lounge+ membership, which prices $795 per yr and contains entry to all Alaska Lounges and practically 90 associate lounges.
Whereas the Atmos Ascent’s $100 low cost is beneficiant for the cardboard’s $95 annual payment, the lounge passes will present plenty of worth for these flying in or out of an airport with an Alaska Lounge a minimum of as soon as every calendar quarter.
Standing factors
Atmos Summit cardholders earn 1 standing level for each $2 spent on the cardboard, with no spending cap. You may additionally earn 10,000 standing factors every year in your account anniversary.
Atmos Ascent cardholders earn 1 standing level for each $3 spent on the cardboard, with no spending cap.
The Atmos Summit’s 10,000 standing factors on every account anniversary mechanically places cardholders midway to Atmos Silver standing, the bottom tier in this system.
Summit unique perks
Lastly, some perks are unique to the premium Atmos Summit:
- No change charges when you could make a same-day change to an Alaska flight
- $50 voucher for Alaska Airways flight cancellations or departure delays of two or extra hours
- As much as $120 in assertion credit for World Entry or TSA PreCheck each 4 years
- Eight inflight Wi-Fi passes on Alaska flights per calendar yr (two per calendar quarter)
These advantages are particularly useful to those that steadily fly on Alaska Airways.
Winner: Atmos Summit. For the next annual payment, the Summit offers a sooner path to elite standing, extra built-in perks and higher advantages for many who steadily fly with Alaska, Hawaiian or associate airways.
Incomes factors with the Atmos Ascent vs. the Atmos Summit
The Atmos Ascent and Atmos Summit each earn Atmos Rewards points. The playing cards share an incomes charge on direct eligible Alaska Airways and Hawaiian Airways purchases, at 3 factors per greenback spent.
Plus, each playing cards earn a ten% rewards bonus on all factors earned from card purchases in case you have an eligible Financial institution of America account.
The Atmos Summit earns 3 factors per greenback spent on eligible dining purchases and all foreign transactions, whereas the Atmos Ascent earns 2 factors per greenback spent at EV charging and gasoline stations; on native transit; and with cable, ride-hailing and choose streaming companies.
The Atmos Summit’s bonus earnings on international transactions are unique in the rewards card space, making the product a incredible possibility should you make purchases exterior of the U.S. steadily. In the meantime, the Atmos Ascent has first rate earnings in a number of classes, particularly transportation-related bills and streaming.
Winner: Atmos Summit. The cardboard has extra profitable incomes charges and boasts one of the crucial attention-grabbing bonus classes available on the market.
Redeeming factors with the Atmos Ascent vs. the Atmos Summit
You possibly can redeem Atmos Rewards factors earned on the Atmos Summit or Atmos Ascent in the identical methods. Our favorite redemption options are for flights on Alaska, Hawaiian, Oneworld or a associate airline.
This system presents plenty of worth because of its popular award chart, which is stuffed with redemption candy spots to maximise.
I really like utilizing Atmos Rewards factors to book short-haul American Airlines flights for 4,500 to six,000 factors.
Nonetheless, you possibly can unlock luxurious redemptions with Atmos Rewards too. As an illustration, you possibly can redeem 75,000 factors to fly Japan Airlines business class to Tokyo from the U.S. West Coast.
Different Oneworld companions you possibly can guide with Atmos Rewards factors embrace British Airways, Fiji Airways and Qantas.
Winner: Tie. Each playing cards share the identical redemption choices.
Transferring factors with the Atmos Ascent vs. the Atmos Summit
When you have the Atmos Summit, you possibly can switch your Atmos Rewards factors to lodge companions. The Atmos Ascent doesn’t have this function.
These are the lodge loyalty applications you possibly can transfer your Atmos Rewards points to, together with their switch ratios:
- Marriott Bonvoy (1:1)
- IHG One Rewards (1:1)
- I Choose Lodge Rewards (1:2)
- Shangri-La Circle (8:1)
- Wyndham Rewards (1:1)
We usually do not suggest transferring your Atmos Rewards factors to lodge companions, since you will not get as excessive a price as you’ll utilizing them to guide flights. Nonetheless, in case you have a particular redemption in thoughts and want just some extra factors to achieve it, it could possibly be a superb possibility.
Winner: Atmos Summit. Though we do not suggest utilizing your factors this manner, it’s important to have the Atmos Summit to entry this selection. You possibly can’t switch Atmos Rewards factors in case you have the Atmos Ascent.
Ought to I get the Atmos Ascent or the Atmos Summit?
If you happen to’re searching for extra advantages and better incomes charges, I like to recommend the Atmos Summit. The cardboard offers strong perks for Alaska and Hawaiian loyalists for a $395 annual payment.
Nonetheless, should you do not want the bonus perks and need a easy card to earn extra Atmos Rewards factors and obtain primary perks whenever you fly Alaska or Hawaiian, I counsel the Atmos Ascent, since it is a robust possibility in its personal proper.
Associated: Are premium credit cards worth the annual fee?
The best way to improve from the Atmos Ascent to the Atmos Summit
If you happen to’re hoping to improve from the Atmos Ascent to the extra premium Atmos Summit, you possibly can attain out to Financial institution of America and request a product change.
Nonetheless, should you go for an improve as a substitute of making use of, you might miss out on the Atmos Summit’s welcome bonus. So, take into account your choices earlier than you decide.
If you happen to maintain the Atmos Summit and need to downgrade to the Atmos Ascent, you can too contact Financial institution of America to make that product change.
Associated: 4 major considerations before upgrading your credit card
Backside line
If you happen to’re into premium perks and are loyal to Alaska, Hawaiian or their companions, the Atmos Summit offers incredible worth at a $395 annual payment.
Nonetheless, the Atmos Ascent is a gradual possibility for a decrease annual fee. At $95, this card will present plenty of worth for a lot of forms of vacationers.
When making your choice, assess your spending habits and what you need out of the Atmos Rewards program.
To be taught extra, learn our full opinions of the Atmos Ascent and the Atmos Summit.
Apply right here: Atmos Ascent
Apply right here: Atmos Summit
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