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 precious, price 1.45 cents apiece per TPG’s January 2026 valuations, and can be utilized to guide flights with Oneworld partners reminiscent of American Airlines.
This system gives two private cobranded bank cards issued by Bank of America. The Atmos™ Rewards Ascent Visa Signature® credit card is a stable entry-level rewards card with a $95 annual charge.
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 charge.
Which card is best for you? Let’s dive in and see which Atmos Rewards card it’s 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 stable 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 supply 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 supply 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. Despite the fact that the spending requirement is increased, you may obtain extra factors with this bonus. Nonetheless, 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 may very well 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 charge and elevated perks in comparison with the entry-level Atmos Ascent, which prices $95 a yr. Some advantages differ barely, however the distinctions are necessary to notice.
Companion perks
Atmos Summit cardholders obtain an annual 25,000-point World Companion Award every account anniversary and may earn a 100,000-point World Companion Award after spending no less than $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 no less than $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 go, you have to be flying on a same-day ticketed Alaska, Hawaiian, Oneworld or accomplice airline flight.
In the meantime, Atmos Ascent cardholders obtain $100 off an annual Alaska Lounge+ membership, which prices $795 per yr and consists of entry to all Alaska Lounges and almost 90 accomplice lounges.
Whereas the Atmos Ascent’s $100 low cost is beneficiant for the cardboard’s $95 annual charge, the lounge passes will present numerous worth for these flying in or out of an airport with an Alaska Lounge no less than 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 will additionally earn 10,000 standing factors annually 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 robotically 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 to 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 charge, the Summit gives a sooner path to elite standing, extra built-in perks and higher advantages for individuals who steadily fly with Alaska, Hawaiian or accomplice 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 respectable 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 vital attention-grabbing bonus classes in the marketplace.
Redeeming factors with the Atmos Ascent vs. the Atmos Summit
You may 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 accomplice airline.
This system gives numerous worth due to 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.
Nonetheless, you’ll be able to unlock luxurious redemptions with Atmos Rewards too. As an illustration, you’ll be able to redeem 75,000 factors to fly Japan Airlines business class to Tokyo from the U.S. West Coast.
Different Oneworld companions you’ll be able to 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’ll be able to switch your Atmos Rewards factors to resort companions. The Atmos Ascent doesn’t have this function.
These are the resort loyalty packages you’ll be able to 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 usually do not suggest transferring your Atmos Rewards factors to resort companions, since you will not get as excessive a worth as you’ll utilizing them to guide flights. Nonetheless, if in case you have a selected redemption in thoughts and wish just some extra factors to succeed in it, it may very well be a very good possibility.
Winner: Atmos Summit. Though we do not suggest utilizing your factors this fashion, you must have the Atmos Summit to entry this selection. You may’t switch Atmos Rewards factors if in case you have the Atmos Ascent.
Ought to I get the Atmos Ascent or the Atmos Summit?
Should you’re in search of extra advantages and better incomes charges, I like to recommend the Atmos Summit. The cardboard gives stable perks for Alaska and Hawaiian loyalists for a $395 annual charge.
Nonetheless, for those who do not want the bonus perks and need a easy card to earn extra Atmos Rewards factors and obtain fundamental 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?
Learn how to improve from the Atmos Ascent to the Atmos Summit
Should you’re hoping to improve from the Atmos Ascent to the extra premium Atmos Summit, you’ll be able to attain out to Financial institution of America and request a product change.
Nonetheless, for those who go for an improve as an alternative of making use of, it’s possible you’ll miss out on the Atmos Summit’s welcome bonus. So, take into account your choices earlier than you decide.
Should you maintain the Atmos Summit and need to downgrade to the Atmos Ascent, you may also contact Financial institution of America to make that product change.
Associated: 4 major considerations before upgrading your credit card
Backside line
Should you’re into premium perks and are loyal to Alaska, Hawaiian or their companions, the Atmos Summit gives unbelievable worth at a $395 annual charge.
Nonetheless, the Atmos Ascent is a gentle possibility for a decrease annual fee. At $95, this card will present numerous 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 critiques of the Atmos Ascent and the Atmos Summit.
Apply right here: Atmos Ascent
Apply right here: Atmos Summit
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