The Atmos™ Rewards Visa Signature® Business Card is the business credit card of Atmos Rewards, which is the loyalty program of Alaska Airlines and Hawaiian Airlines. The card is issued by Bank of America, and is a rebranding of the former Alaska Airlines Visa Business Card.
There are many reasons to consider picking up this card, especially if you fly Alaska or Hawaiian with any frequency. This post is my in-depth Atmos Rewards Business Card review, so I’d like to take a look at the card’s value proposition, for anyone who may be considering applying.
Link: Learn more about the Atmos™ Rewards Visa Signature® Business Card
Atmos Rewards Business Card summary & key details
Before I get into my Atmos Rewards Business Card review, here’s a brief summary of the key details of the card:
- Atmos Business Card annual fee: $70 for the company + $25 per user
- Atmos Business Card welcome offer: 70,000 Atmos Rewards points plus a $99 companion fare after spending $4,000 within the first 90 days
- Atmos Business Card rewards earn rate: 3x Atmos Rewards points on Alaska & Hawaiian purchases, 2x points on eligible gas, EV charging stations, shipping, and local transit purchases (including rideshare), and 1x points on all other purchases; also earn one status point for every $3 spent, with no cap
- Atmos Business Card benefits & credits: First checked bag free on Alaska & Hawaiian, preferred boarding on Alaska & Hawaiian flights, a $99 companion fare with $6,000 in annual spending, and more
- Atmos Business Card foreign transaction fees: None
- Atmos Business Card best for: Someone who flies Alaska and/or Hawaiian occasionally, and values perks like a free checked bag and preferred boarding
Below are what I consider to be the pros and cons of the Atmos Rewards Business Card.
| Atmos Rewards Business Card pros | Atmos Rewards Business Card cons |
|---|---|
| Generous welcome bonus | No airport lounge access |
| Ability to earn $99 companion fare | Not the best card for everyday spending |
| Solid perks for travel on Alaska & Hawaiian | No useful travel protections |
Atmos Rewards Business Card welcome bonus, eligibility, & fees
The Atmos Rewards Business Card is the only business card in the Atmos Rewards ecosystem. To start, let’s cover the welcome bonus, card eligibility rules, annual fee, and more, since these are important factors that cardmembers consider.
Welcome bonus of 70K points & $99 companion fare
The Atmos Rewards Business Card is offering a two-part welcome bonus. After spending $4,000 within the first 90 days, you can earn:
- 70,000 Atmos Rewards bonus points
- A $99 companion fare (plus taxes and fees from $23), valid for flights within the Americas (including Hawaii) on Alaska and Hawaiian
Based on my latest miles & points valuations, Atmos Rewards points are worth 1.5 cents each, given the great uses of these rewards. That means the 70,000 points are worth $1,050 for me. That doesn’t even account for the value of the companion fare, which could save you hundreds of dollars.
The current welcome offer is excellent, better than the standard one. However, it’s not quite the best-ever offer, as we have seen a bonus of up to 80,000 points in the past. It’s up to each person to decide whether they want to wait in hope of a better offer, or apply now.
Atmos Rewards credit card eligibility rules
The Atmos Rewards Business Card is issued by Bank of America. The good news is that eligibility for this card is unrelated to having any other Atmos Rewards card, so you’re eligible for this card (including the bonus) if you have the Atmos™ Rewards Ascent Visa Signature® credit card (learn more) or Atmos™ Rewards Summit Visa Infinite® Credit Card (learn more).
Let me emphasize that you are eligible for this product if you have any of the previously issued personal or business HawaiianMiles Barclays cards, or any of the previously issued personal Alaska Mileage Plan cards.
Beyond that, Bank of America doesn’t have many consistent restrictions when it comes to getting approved for business cards. While Bank of America has the 2/3/4 rule and 3/12 rules, those apply to personal cards, and not business cards. Generally those with a Bank of America banking relationship also have the best odds of approval (though it’s by no means a requirement).
There’s not a consistent credit score you need to have to be approved for this card, though personally I’d hope to have a score in the “good” to “excellent” range, ideally 700+ points. However, people with lower scores have been approved, and people with higher scores have been rejected.
Anecdotally, it appears that lots of people are getting instant approvals on this card, more so than with most other business credit cards, and more than on the personal version of the card. Applying for this card won’t count as a further card toward Chase’s 5/24 limit, in case that’s a limit you’re trying to stay under.
I should also mention the following restriction in the terms:
I also understand that I may be declined for additional credit card accounts if my business entity currently has, or has had, another business card with Bank of America in the preceding 24 month period.
On the surface, this suggests you may be declined for a Bank of America business card if you have another Bank of America business card. However, anecdotally, this doesn’t appear to be enforced much. I think the term “may” is the key here (which is different than “will”).
$70 company annual fee & $25 per person annual fee
The Atmos Rewards Business Card has a $70 annual fee for the company, and then a $25 annual fee per card. In other words, if you open an account for one person, you’ll pay a $95 annual fee, with two people you’d pay $120, etc.
Atmos Rewards Business Card rewards structure
The Atmos Rewards Business Card has bonus categories that can help you rack up points faster. Furthermore, spending on the card can help you earn Atmos Rewards elite status, as well as a $99 companion fare. Let’s talk about how rewarding spending on the card can be.
3x points with Alaska & Hawaiian purchases
The Atmos Rewards Business Card offers 3x points on Alaska and Hawaiian flight purchases, with no caps. Based on my valuation of Atmos Rewards points, that’s like a 4.5% return on spending. So if you fly either of those Alaska Air Group carriers with any frequency, that’s a solid return on that spending.
2x points for spending in select categories
The Atmos Rewards Business Card offers 2x points in a variety of categories, including on eligible gas, EV charging stations, shipping, and local transit purchases (including rideshare). That’s all with no caps. Based on my valuation of Atmos Rewards points, that’s like a 3% return on spending. It’s always nice to earn bonus points, though in fairness, 2x points isn’t exactly the biggest return on spending that we’ve seen.
1x points on all other eligible purchases
The Atmos Rewards Business Card offers 1x points on all other eligible spending. Based on my valuation of Atmos Rewards points, that’s like a 1.5% return on spending. As you might expect, there are more exciting cards for everyday spending, as independently, that’s not a terribly exciting return.
Earn status points with spending (1x points per $3)
The Atmos Rewards Business Card can help you earn elite status in the Atmos Rewards program. Specifically, the card offers one status point for every $3 in eligible spending. There’s no cap on how many status points you can earn with the card.
If you are serious about earning status with spending, I’d recommend instead considering the Atmos™ Rewards Summit Visa Infinite® Credit Card (learn more), which offers one status point for every $2 in eligible spending.
Earn annual $99 companion fare with spending
In addition to the companion fare offered as part of the welcome bonus, the Atmos Rewards Business Card offers a $99 companion fare when you spend $6,000 per anniversary year on the card.
The companion certificate is one of the most valuable airline credit card companion ticket for revenue travel, in my opinion. You’ll pay $99 plus taxes and fees (which start at $23), so you’re looking at paying $122+ for your companion.
What makes this companion fare so exceptional is that it’s valid on all Alaska and Hawaiian economy fares within the Americas (including Hawaii), you can use it for one-ways or roundtrips, the companion even earns points and is eligible for upgrades, etc. So whether you want to go to Hawaii or Mexico, it gives you a lot of flexibility.
Let me mention that the companion fare is valid for revenue tickets, and you must pay with the card in order to use it, though it’s fine if the cardmember isn’t one of the people traveling.
Bank of America 10% relationship bonus
The Atmos Rewards Business Card also offers a Bank of America relationship bonus. If you have an eligible small business Bank of America checking or savings account, you’ll receive a bonus equal to 10% of the points you earn on each dollar spent.
This is a way to earn even more rewards, as you’d earn 3.3x points on Alaska and Hawaiian purchases, 2.2x points on the other purchases eligible for bonus categories, and 1.1x points on everyday spending.
No foreign transaction fees
The Atmos Rewards Business Card has no foreign transaction fees, so it’s a decent card to use for purchases abroad, since you can rack up rewards without paying a fee.
Atmos Rewards Business Card benefits & perks
The Atmos Rewards Business Card offers a variety of perks, which can potentially more than justify the annual fee year after year. These perks are the main reason you want to consider picking up this card, in addition to the great welcome bonus. In no particular order, let’s go over the main benefits.
First checked bag free on Alaska & Hawaiian flights
The Atmos Rewards Business Card offers a free checked bag for you and up to six guests on the same reservation when flying on Alaska or Hawaiian. In order to be eligible for this perk, you need to charge the cost of the ticket to your card. Another great thing is that authorized users on the card can also receive this benefit, as long as their ticket is purchased with the card.
This is a great benefit that could save you a lot of money — Alaska and Hawaiian ordinarily charge $30-45 per checked bag, so that’s a savings of up to $90 per person roundtrip, if checking bags. If you fly Alaska or Hawaiian fairly often but don’t have elite status, that alone could quickly more than justify the annual fee.
Preferred boarding on Alaska & Hawaiian flights
The Atmos Rewards Business Card offers preferred boarding for you and up to six guests on the same reservation. In order to be eligible for this perk, you need to charge the cost of the ticket to your card. Another great thing is that authorized users on the card can also receive this benefit, as long as their ticket is purchased with the card.
This is a valuable benefit that help you ensure that there’s space in the overhead bin for your bags. It’s also an awesome authorized user perk, so that you can share this benefit with family members.
20% inflight savings on Alaska & Hawaiian flights
The Atmos Rewards Business Card offers 20% back on Alaska and Hawaiian inflight purchases when paying with your card. This applies for the purchase of food, beverages, and Wi-Fi onboard flights, and the statement credit should post to your account within seven days. There’s no limit to how often you can take advantage of this.
Let me just mention that Alaska and Hawaiian should have free Starlink Wi-Fi fleetwide by some point in 2027, at which point there aren’t savings anymore with Wi-Fi. That being said, it can still be used for food and beverages.
$100 Alaska Lounge+ membership discount
If you’re looking to get an Alaska Lounge membership, the Atmos Rewards Business Card offers $100 off an Alaska Lounge+ annual membership when you pay for the purchase with your card. An Alaska Lounge+ membership ordinarily costs $795 annually, and offers access to all Alaska Lounges, plus nearly 100 partner lounges around the world (including American Admirals Clubs).
Being able to get this lounge discount could prove to be a good value.
The value in earning & redeeming Atmos Rewards points
When talking about an Atmos Rewards credit card, it’s worth acknowledging the general value in earning and redeeming Atmos Rewards points. Alaska & Hawaiian are both in the oneworld alliance, and Atmos Rewards partners not only with oneworld partner airlines, but also with all kinds of other unaligned airlines. I consider Atmos Rewards to be one of the most valuable points currencies out there.
Atmos Rewards has a distance based award chart, which varies a bit by region. For example, below is the one-way award chart within the Americas.
| Distance (miles) | Economy points cost | Business points cost |
|---|---|---|
| Less than 700 | 4,500 | 9,000 |
| 701–1,400 | 7,500 | 15,000 |
| 1,401–2,100 | 12,500 | 25,000 |
| 2,101–4,000 | 17,500 | 35,000 |
| 4,001–6,000 | 25,000 | 50,000 |
| 6,001 and above | 30,000 | 60,000 |
I constantly redeem Atmos Rewards points for travel within the United States, particularly on American. For example, all the time I redeem 4,500 points to fly one-way economy from Miami to Tampa (when cash fares would often be $200+), or 15,000 points to fly one-way business class from Miami to Chicago or New York (when cash fares would often be $500+). You simply can’t beat these redemption rates.
The icing on the cake is that with Atmos Rewards, you earn status points for award flights, so those flights even count toward elite status, and that’s also why I’ve switched my business to Atmos Rewards.
Of course there are lots of other opportunities with Atmos Rewards points as well. For example, I love the ability to redeem 75,000 points for one-way business class from the United States to many parts of Asia on carriers like Japan Airlines or Starlux Airlines — those are both awards that I’ve booked for myself in the past, and they were a great value.
What makes this an even better value is that you can have a free stopover on a one-way award when traveling long haul. One thing worth being aware of is that Atmos Rewards has a $20 per person per direction partner award booking fee. However, that can be waived if you have the Atmos Rewards Summit Card.
Is the Atmos Rewards Business Card worth it?
The Atmos Rewards Business Card is the only business card in the Atmos Rewards ecosystem, so how valuable is this product? A few thoughts…
First of all, I think there’s a lot of merit to picking up this card for the excellent welcome bonus, which includes a lot of points and a $99 companion fare.
Bank of America business cards are generally quite easy to get approved for, and many people are even eligible if they’ve had this card in the past. The card also doesn’t count toward the Chase 5/24 limit, which is nice. Given the value of the Atmos Rewards ecosystem, there’s no reason not to pick up this card, if eligible.
What about the long term value proposition of the card, though? If you fly Alaska or Hawaiian with any frequency and don’t have elite status, the basic perks add up, including a first checked bag free, preferred boarding, and more.
Beyond that, I think there’s merit to putting $6,000 of spending per year on the card, so that you can pick up the $99 companion fare, which is super valuable. However, I’d say there’s also merit to picking up one (or both) of the personal Atmos Rewards cards…
Atmos Rewards Business vs. Atmos Rewards Ascent comparison
The Atmos Rewards Ascent Card is the personal version of the Atmos Rewards Business Card, as you may have guessed based on the name.
The two cards have a lot of overlapping benefits, including offering a $99 companion fare on the account anniversary when spending $6,000, a first checked bag free, priority boarding, 20% savings on inflight purchases, savings on an Alaska Lounge+ membership, the same status points earning potential, and more. So where do the cards differ, other than one being a business card and one being a personal card?
- The Atmos Rewards Ascent Card has a $95 annual fee, while the Atmos Rewards Business Card has a minimum of a $95 annual fee, as it’s $70 for the company and $25 per card, meaning that each authorized user will cost you extra
- One of the 2x points categories on the two cards differ — the Atmos Rewards Ascent Card offers 2x points on streaming services, while the Atmos Rewards Business Card offers 2x points on shipping
Otherwise these cards are virtually identical. You could even pick up both the personal and business card, to really maximize the points and companion certificates that you can earn, you could earn two companion fares per year, etc.
Atmos Rewards Business vs. Atmos Rewards Summit comparison
The $395 annual fee Atmos Rewards Summit Card is the most premium Atmos Rewards credit card. While it’s a personal card, I still think it’s worth highlighting, as it’s incredibly lucrative. I’d take it a step further, and say that it’s my favorite airline credit card.
Among other things, the card racks up status points at the fastest rate, the card allows you to earn Global Companion Awards, offers Alaska Lounge passes, enables free points sharing, waives partner award booking fees, offers 3x points on foreign purchases, and much more.
If you fly Alaska or Hawaiian with any frequency, then getting this card is an absolute no-brainer. As I see, it the anniversary 25K-point Global Companion Award alone basically justifies the annual fee, and that says nothing of all the other amazing perks.
Business credit card alternatives to consider
If you’re not set on a Atmos Rewards Business Card but want a dedicated business credit card that’s lucrative, there are some other great options that earn flexible points. Consider these if you want options for redeeming your rewards for more than just on Alaska, Hawaiian, and its partners:
- The Ink Business Preferred® Credit Card (learn more) packs a lot of value for its $95 annual fee — it earns Chase Ultimate Rewards points, which gives you a lot of flexibility, and the card earns 3x points in select categories, and offers valuable travel and rental car protection
- The American Express® Business Gold Card (learn more) has a higher annual fee of $375 (Rates & Fees), but it could be worth it thanks to 4x points bonus categories and a variety of monthly and annual statement credits
- The Capital One Venture Business (learn more) is another option with a $95 annual fee — it has the simplest rewards structure of the cards on this list, as it earns 2x miles per dollar spent
Atmos Rewards Business Card FAQs
Bottom line
The Atmos Rewards Business Card is an excellent business credit card that offers a great welcome bonus and strong perks. The welcome bonus of 70,000 Atmos Rewards points plus a companion fare will come in handy for cardmembers, and is more than enough reason to get the card.
Also keep in mind that anecdotally this card is pretty easy to get approved for, and the eligibility restrictions aren’t particularly strict. On top of that, savings on checked bags and inflight purchases will add up over time.
If you don’t yet have this card and are eligible, I’d highly recommend applying. This is a card that many people don’t have, yet which offers lots of value and a great bonus.
If you want to learn more about or apply for the Atmos Rewards Business Card, follow this link.
The following links will direct you to the rates and fees for mentioned American Express Cards. These include: American Express® Business Gold Card (Rates & Fees).
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