Atmos Rewards™ Ascent Visa Signature
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How we calculate effective rate →
The Atmos Rewards™ Ascent Visa Signature from Bank of America earns up to 3.6% effective value on gas in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Receive a 50% flight discount code for a qualifying future flight after opening your new account. Additionally, earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 or more on purchases within the first 120 days of opening your account..
- Top category
- Gas
- Effective value
- 3.6%
- Annual fee
- $95
Best for gas-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
What does the Atmos Rewards™ Ascent Visa Signature earn in each category?
Gas is the strongest category at 3.6% effective value (2x miles at about 1.8 cents each). That gas rate ranks higher than about 92% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Atmos Rewards™ Ascent Visa Signature compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
Gas is the strongest category at 3.6% effective value (2x miles at about 1.8 cents each). That gas rate ranks higher than about 92% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Atmos Rewards™ Ascent Visa Signature compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.8% |
| Grocery Supermarkets and grocery stores | 1x miles | 1.8% |
| Gas Gas stations and fuel | 2x miles | 3.6% Top category |
| Travel Flights, hotels, transit | 2x miles | 3.6% |
| Other General everyday spend | 2x miles | 3.6% |
Madeen values Alaska Airlines Atmos Rewards at about 1.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Atmos Rewards™ Ascent Visa Signature reward caps and conditions?
The Atmos Rewards™ Ascent Visa Signature has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 2 points per $1 spent on gas and EV charging station purchases
- Earn 2 points per $1 spent on select streaming services purchases
- Earn 2 points per $1 spent on local transit purchases
Who should get the Atmos Rewards™ Ascent Visa Signature?
The Atmos Rewards™ Ascent Visa Signature fits spenders who put meaningful volume in gas and can earn 2x miles. Best for spenders who put meaningful volume in gas and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Atmos Rewards™ Ascent Visa Signature fits spenders who put meaningful volume in gas and can earn 2x miles. Madeen ranks its gas effective rate higher than about 92% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for gas-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is gas at about 3.6% effective (2x miles).
- That gas rate ranks higher than about 92% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- Alaska Airlines Atmos Rewards value depends on how you redeem, not straight cash back.
What is the Atmos Rewards™ Ascent Visa Signature welcome bonus?
In Madeen's catalog snapshot, the Atmos Rewards™ Ascent Visa Signature welcome offer is Receive a 50% flight discount code for a qualifying future flight after opening your new account. Additionally, earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 or more on purchases within the first 120 days of opening your.
- Offer
- 80k Alaska Airlines Atmos Rewards (~$1440 estimated)
- Terms (catalog snapshot)
- Receive a 50% flight discount code for a qualifying future flight after opening your new account. Additionally, earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 or more on purchases within the first 120 days of opening your account.
- Minimum spend
- $4,000
- Window
- 120Days
Does the Atmos Rewards™ Ascent Visa Signature have an annual fee?
The Atmos Rewards™ Ascent Visa Signature has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What travel perks does the Atmos Rewards™ Ascent Visa Signature include?
The Atmos Rewards™ Ascent Visa Signature includes Free checked bag, $100 off Lounge+ membership, 10% rewards bonus, 20% back onboard in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Free checked bag
Free checked bags for you and up to 6 guests on the same reservation when airfare is purchased with your card.
What benefits come with the Atmos Rewards™ Ascent Visa Signature?
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
$100 off Lounge+ membership
$99/yrPay for your annual Alaska Lounge+ Membership with your card and get $100 off.
Annual $99 Companion Fare
$99/yrCelebrate your account anniversary and receive a $99 Companion Fare (plus taxes and fees from $23) on Alaska Airlines or Hawaiian Airlines-operated flights within North America, including Hawaii, after you spend at least $6,000 on purchases with your card each year.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Free checked bag
$60/yrFor you and up to 6 guests on the same reservation when airfare is purchased with your card.
10% rewards bonus
$25/yrGet a 10% rewards bonus on all points earned if you have an eligible Bank of America® account.
20% back onboard
$25/yrGet 20% back when you use your card to pay for Wi-Fi, drinks and other extras on Alaska Airlines and Hawaiian Airlines.
Preferred boarding
$25/yrFor you and up to 6 guests on the same reservation when you pay with your card.
Related encyclopedia topics
Common questions about the Atmos Rewards™ Ascent Visa Signature
Where do cardholders spend most with the Atmos Rewards™ Ascent Visa Signature?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on music and audio (2x), tv and movies (2x), gas (2x) for the Atmos Rewards™ Ascent Visa Signature. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
What credit score is needed for an Atmos Rewards credit card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Atmos Rewards™ Ascent Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How much is 70,000 Alaska miles worth in dollars?
Gas is the strongest Madeen category for the Atmos Rewards™ Ascent Visa Signature at about 3.6% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Atmos Rewards™ Ascent Visa Signature have an annual fee?
The Atmos Rewards™ Ascent Visa Signature carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Atmos Rewards™ Ascent Visa Signature?
Gas is the strongest Madeen category for the Atmos Rewards™ Ascent Visa Signature at about 3.6% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Atmos Rewards™ Ascent Visa Signature charge foreign transaction fees?
The Atmos Rewards™ Ascent Visa Signature does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
How does the Atmos Rewards™ Ascent Visa Signature compare to similar cards?
Compare the Atmos Rewards™ Ascent Visa Signature against Alaska Airlines Business (3.6% on Gas, $75 fee); Alaska Airlines Visa Signature (3.6% on Gas, $95 fee); Atmos™ Rewards Visa Business (3.6% on Gas, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Atmos Rewards™ Ascent Visa Signature This card | Gas | 3.6% | $95 |
Bank of America | Gas | 3.6% | $75 |
Bank of America | Gas | 3.6% | $95 |
| Gas | 3.6% | $95 | |
Bank of America | Gas | 3% | $0 |
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Bank of America and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of America. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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