Atmos Rewards Business Card Review: More Value for the Most Loyal
Earn triple points on Alaska Airlines and Hawaiian Airlines purchases, and enjoy a checked-bag benefit and discounts on in-flight purchases.
Overview
The bottom line:
The sign-up bonus, Companion Fare and cardholder discounts combine to provide value for a low annual fee. But other cards provide even more flexibility and opportunities to earn rewards.
Credit card details
Annual fee
$70 for the company and $25 per card
Regular APR
19.99%-27.99% Variable APR
Intro APR
N/A
Rewards rate
1x-3x
Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases. Earn 1 point per $1 spent on all other purchases.
Points
Foreign transaction fee
None
Intro offer
80,000
Get 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $5,000 or more in purchases within the first 90 days of opening your account.
Points
Pros & Cons
Pros
Companion benefit
Free checked bag
Cons
Requires excellent credit
Has annual fee
Rewards have limited flexibility
More details from Bank of America
- Get 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $5,000 or more in purchases within the first 90 days of opening your account.
- Earn another Companion Fare ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
- Free checked bag for any cardholder and up to 6 guests on the same reservation, when you pay for your flight with your card – that’s a savings of $70 per person roundtrip!
- Preferred boarding for any cardholder when you pay for your Alaska Airlines flight with an Atmos™ Rewards Business Card.
- Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases. Earn 1 point per $1 spent on all other purchases.
- Earn a 10% rewards bonus on all points earned from card purchases if your company has an eligible Bank of America® business account.
- Enjoy 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases when you pay with your Atmos™ Rewards Business Card.
- Get $100 off an annual Alaska Lounge+ Membership purchased with your Atmos™ Rewards Business Card.
- Plus, no international transaction fees and a low annual fee of $70 for the company and $25 per card.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Alaska Airlines rebranded its credit card lineup in August 2025. The new "Atmos Rewards" cards take on the name of the airline's joint loyalty program with Hawaiian Airlines.
The airline's personal credit cards saw some big changes. That included the launch of the premium (i.e., expensive) Atmos™ Rewards Summit Visa Infinite® credit card.
But the updates were more subdued for its business offering. There's a new name (it's no longer the Alaska Airlines Visa Business® card). You'll also get a slightly bigger welcome offer — though you'll have to spend more to earn it.
The card's reward rates remained the same. Then again, so did its relatively inexpensive annual fee. That means the newly minted Atmos™ Rewards Visa Signature® Business card still offers a valuable set of perks for business flyers who frequent Alaskan Airlines or Hawaiian Airlines.
Atmos™ Rewards Visa Signature® Business card: The basics
Card type: Business travel
Annual fee: $70 for the company and $25 per card.
Sign-up bonus: Get 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $5,000 or more in purchases within the first 90 days of opening your account.
Rewards:
- 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases.
- 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases.
- 1 point for every $1 spent on all other purchases.
Foreign transaction fee: None.
Interest rate: The ongoing APR is 19.99%-27.99% Variable APR.
Other benefits:
- Earn an additional Companion Fare on each account anniversary after spending $6,000 or more on purchases within the anniversary year.
- Free checked bag for cardholder and up to six guests on Alaska Airlines flights.
- Get 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases when you pay with your Atmos™ Rewards Business Card.
Why you might want the Atmos™ Rewards Visa Signature® Business card
If you're a regular Alaskan Airlines or Hawaiian Airlines traveler, or could be, the Atmos™ Rewards Visa Signature® Business card has a lot to recommend it.
Sign-up bonus
Depending on your itinerary, the miles earned from this card's bonus offer could cover the cost of a round-trip domestic flight: Get 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $5,000 or more in purchases within the first 90 days of opening your account.That's not even counting the Companion Fare portion of the bonus.
Annual companion fare
Every year, you'll earn another Companion Fare starting at $122 ($99 plus taxes and fees, which start at $23) after spending $6,000 or more on purchases within the anniversary year. It’s valid for a one-way or round-trip coach seat on Alaska flights booked on alaskair.com. There are no blackout dates.
Comparatively low annual fee
Airline cards for small business commonly charge annual fees of $95 or more. With its annual fee of $70 for the company and $25 per card, the Atmos™ Rewards Visa Signature® Business card lines up with the bottom of that range.
Free checked bags
The first checked bag is free for you and up to six companions traveling on the same reservation on Alaska Airlines or Hawaiian Airlines flights, including those operated by Horizon Air or SkyWest. That’s a savings of $70 per person on a round-trip flight. Keep in mind that you won’t get this benefit on a code-share flight operated by another airline.
Why you might want a different card
Fewer flight options for some cities
Although Alaska Airlines and Hawaiian Airlines fly to destinations across the United States (and the world), their focus in North America is the West Coast. If you don’t live in a city with a lot of route options, you won’t get much value out of the Atmos™ Rewards Visa Signature® Business card.
Consider an airline card for the airline you fly the most. Or, if you aren’t committed to any single airline, a general-purpose travel rewards card like the Capital One Spark Miles for Business
You’ll earn 2 miles per $1 spent on all purchases, plus 5 miles per $1 on hotel and rental car bookings through Capital One’s travel portal. Miles are redeemable for any travel expense — including airfare, hotels, trains, rental cars, taxis, travel agents and more — at a rate of 1 cent per mile. The annual fee is $0 intro for the first year, then $95. You start with a good bonus offer, too: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Excellent credit is required
The Atmos™ Rewards Visa Signature® Business card is intended for applicants with excellent credit, corresponding to a FICO score of 720 and up. The Capital One® Spark® Classic for Business
Should you get the Atmos™ Rewards Visa Signature® Business card?
Because the benefits of the Atmos™ Rewards Visa Signature® Business card are so airline-specific, it’s a contender for a specific audience of Alaska and Hawaii frequent flyers. Anyone who needs more wiggle room out of their travel card should look elsewhere.
Information for the Capital One® Spark® Classic for Business has been collected by NerdWallet and has not been reviewed by or provided by Capital One.