My Atmos Rewards Business Card Application Approval Experience

For some reason the credit rating bureaus alerted me when I applied for this card. I thought that should not happen for a business card?

Hopefully the card approval and issuance itself will not show up on my credit report.

Wasn’t instantly approved, but about 5 minutes after I applied I checked my BofA app and there it was. Pretty massive credit line as well. I got the Summit card last week, so lots of Atmos miles on the way!

@ KD -- Congrats, sounds very similar to my situation!

@ AtmosBizApproved -- Congrats on the approval! There is still a credit check, which is standard, and would trigger an alert. The point is that the card account shouldn't show up as a new product, which is how things like 5/24 are measured.

So far, so "meh" with my application experience. I applied for (and was approved for) an Atmos Summit within hours of its release. Day three I received notice that the card was created. Day seven I received notice the card was shipped via USPS (with no tracking) and expected in another 7 to 10. I called B of A and they have not way track on their end or provide any other details. Maybe my expectations were a little high for a new premium card, but taking four days for a card to sit around before it is mailed seems a bit lazy and another 7-10 standard mail for a welcome kit seems even lazier. I am so accustomed to AMEX platinum where all cards—both new and replacements—are trackable and sent via 2-day courier service. Heck, AMEX even sends out my Home Depot gift cards via 2-day service. I am def excited by the possibilities of this card, but not yet feeling the Summit love.

It's been a long time Ben! You and I were on the QR A350 inaugural back in Jan '15. I can't remember exactly, but you were either sitting behind me or in front of me. You were cracking me up with your commentary about AAB and his entourage. Long time fan of your site but mostly a lurker. Keep up the good work.

i had quite a different experience.

i have a current BofA Alaska card and am a power user of it 🙂 for over 5 years

applied and then got an envelope where i had to send them my soc security release and a pay stub?!!? after a ton of business, i wanted to give them more and then am getting all these extra processes... feels icky

So Ben, did you already have an Alaska Airlines credit card either the personal or business version through B of A? I'd love to get the bonus miles for the new card, but already have the Alaska BofA cards, so wondering if that will be an issue.

Honestly Ben

You could have boiled this down to:

“I applied. I got approved”

Hey Ben, what email address did your approval email arrive from?
I vagely remember applying for the business card, but did not get an email, untol todya ( 3 days later saying i got approved). Checked my credit report and zero hard or soft pulls.
My approval email came from "[email protected]"

I never received an approval email! Maybe I’ll get in a few days like you. I just checked my app about 5 minutes after applying and the new biz account was there. I also had a hard pull at Transunion. Pretty interesting..

@Stevie B, my experience was disappointing. I applied for the personal Atmos card (already have the basic AS BofA card) and immediately received an email directing me to call customer service. After a 15-minute hold, I spoke with a curt agent who asked additional questions, then informed me I'd receive a letter requesting more documentation.

The letter arrived requesting I download and print an SSA authorization form to release my Social Security number. I declined to proceed and shredded the letter. Since I already provided my SSN in the original application, this additional requirement seems unnecessary and indicative of poor customer service.

I've decided the card isn't worth these bureaucratic hurdles. I may reconsider in the future, but for now, it's a hard pass.

@ben - same experience here, too. Already a customer, excellent credit, and "uh, we need your social security release and pay stub". Nope. Hard pass.

Generally you are limited to one of each card at a time. The days of strip-mining Alaska and getting 10 cards at the same time are over.

Instant denial for the Atmos business card. Can you hold a personal and a business at the same time? I really don't understand why they denied me. This is the second time I have applied for the Alaska business card and was denied.