Atmos Rewards is the joint loyalty program for Alaska Airlines and Hawaiian Airlines flyers.
Whereas Atmos Rewards’ main goal is somebody who steadily flies with these carriers, this system offers more than meets the eye. Atmos Rewards factors are invaluable, price 1.45 cents apiece per TPG’s January 2026 valuations, and can be utilized to e book flights with Oneworld partners corresponding to American Airlines.
This system provides 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 you need 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 throughout the first 90 days of opening an account. |
Earn 80,000 bonus factors and a 25,000-point International Companion Award after spending $4,000 on purchases throughout 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 throughout 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 International Companion Award after spending $4,000 on purchases throughout the first 90 days of opening your account.
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This provide is price as much as $1,523 once you mix the worth of the bottom factors and the International Companion Award, in accordance with TPG’s valuations.
Winner: Atmos Summit. Regardless that the spending requirement is greater, you will obtain extra factors with this bonus. Nevertheless, for those who’d be extra comfy with a decrease spending requirement or incomes a Companion Fare as an alternative of extra factors, the Ascent might 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 well-liked boarding on Alaska Airways and Hawaiian Airways
- 20% again on all inflight purchases
The Atmos Summit has a better $395 annual payment and elevated perks in comparison with the entry-level Atmos Ascent, which prices $95 a 12 months. Some advantages differ barely, however the distinctions are essential to notice.
Companion perks
Atmos Summit cardholders obtain an annual 25,000-point International Companion Award every account anniversary and might earn a 100,000-point International Companion Award after spending at the very least $60,000 on the cardboard within the prior anniversary 12 months.
Atmos Ascent cardholders obtain an annual $99 Companion Fare (plus taxes and costs from $23) every account anniversary after spending at the very least $6,000 on the cardboard within the prior anniversary 12 months.
Lounge advantages
The Atmos Summit grants eight Alaska Lounge passes per 12 months (two per calendar quarter). To make use of the cross, you should be flying on a same-day ticketed Alaska, Hawaiian, Oneworld or companion airline flight.
In the meantime, Atmos Ascent cardholders obtain $100 off an annual Alaska Lounge+ membership, which prices $795 per 12 months and contains entry to all Alaska Lounges and practically 90 companion lounges.
Whereas the Atmos Ascent’s $100 low cost is beneficiant for the cardboard’s $95 annual payment, the lounge passes will present quite a lot of worth for these flying in or out of an airport with an Alaska Lounge at the very least 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 routinely 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 it is advisable 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 International Entry or TSA PreCheck each 4 years
- Eight inflight Wi-Fi passes on Alaska flights per calendar 12 months (two per calendar quarter)
These advantages are particularly useful to those that steadily fly on Alaska Airways.
Winner: Atmos Summit. For a better annual payment, the Summit gives a quicker path to elite standing, extra built-in perks and higher advantages for many who steadily fly with Alaska, Hawaiian or companion 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 if 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 fuel stations; on native transit; and with cable, ride-hailing and choose streaming providers.
The Atmos Summit’s bonus earnings on international transactions are unique in the rewards card space, making the product a unbelievable possibility for those who make purchases outdoors 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 fascinating bonus classes available on the market.
Redeeming factors with the Atmos Ascent vs. the Atmos Summit
You’ll be able to 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 companion airline.
This system provides quite a lot of worth because of its popular award chart, which is full of 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.
Nevertheless, you may unlock luxurious redemptions with Atmos Rewards too. As an example, you may redeem 75,000 factors to fly Japan Airlines business class to Tokyo from the U.S. West Coast.
Different Oneworld companions you may e book 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
In case you have the Atmos Summit, you may switch your Atmos Rewards factors to resort companions. The Atmos Ascent doesn’t have this characteristic.
These are the resort loyalty applications you may transfer your Atmos Rewards points to, together with their switch ratios:
- Marriott Bonvoy (1:1)
- IHG One Rewards (1:1)
- I Desire Resort Rewards (1:2)
- Shangri-La Circle (8:1)
- Wyndham Rewards (1:1)
We typically do not advocate transferring your Atmos Rewards factors to resort companions, since you will not get as excessive a worth as you’d utilizing them to e book flights. Nevertheless, if in case you have a selected redemption in thoughts and wish only a few extra factors to achieve it, it might be a great possibility.
Winner: Atmos Summit. Though we do not advocate utilizing your factors this manner, you need to have the Atmos Summit to entry this selection. You’ll be able to’t switch Atmos Rewards factors if in case you have the Atmos Ascent.
Ought to I get the Atmos Ascent or the Atmos Summit?
In the event you’re searching for extra advantages and better incomes charges, I like to recommend the Atmos Summit. The cardboard gives strong perks for Alaska and Hawaiian loyalists for a $395 annual payment.
Nevertheless, for those who do not want the bonus perks and need a easy card to earn extra Atmos Rewards factors and obtain fundamental perks once you fly Alaska or Hawaiian, I recommend the Atmos Ascent, since it is a robust possibility in its personal proper.
Associated: Are premium credit cards worth the annual fee?
The way to improve from the Atmos Ascent to the Atmos Summit
In the event you’re hoping to improve from the Atmos Ascent to the extra premium Atmos Summit, you may attain out to Financial institution of America and request a product change.
Nevertheless, for those who go for an improve as an alternative of making use of, you might miss out on the Atmos Summit’s welcome bonus. So, contemplate your choices earlier than making a decision.
In the event you 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
In the event you’re into premium perks and are loyal to Alaska, Hawaiian or their companions, the Atmos Summit gives unbelievable worth at a $395 annual payment.
Nevertheless, the Atmos Ascent is a gradual possibility for a decrease annual fee. At $95, this card will present quite a lot of worth for a lot of kinds of vacationers.
When making your determination, 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