Atmos™ Rewards Visa® Business
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.
How we calculate effective rate →
The Atmos™ Rewards Visa® Business 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: 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..
- Top category
- Gas
- Effective value
- 3.6%
- Annual fee
- $95
Worth a look for gas spend if you need a business card and can use Alaska Airlines Atmos Rewards the way you redeem today. 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 Visa Business 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 Visa Business compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight general.
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 Visa Business 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 | 1x miles | 1.8% |
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 Visa Business reward caps and conditions?
The Atmos™ Rewards Visa Business has 2 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 local transit purchases.
Who should get the Atmos™ Rewards Visa Business?
The Atmos™ Rewards Visa Business 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 Visa Business 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.
Worth a look for gas spend if you need a business card and can use Alaska Airlines Atmos Rewards the way you redeem today.
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.
- Alaska Airlines Atmos Rewards value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Atmos™ Rewards Visa Business welcome bonus?
In Madeen's catalog snapshot, the Atmos™ Rewards Visa Business welcome offer is 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.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm.
- Offer
- 80k Alaska Airlines Atmos Rewards (~$1440 estimated)
- Terms (catalog snapshot)
- 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.
- Minimum spend
- $5,000
- Window
- 90Days
Does the Atmos™ Rewards Visa Business have an annual fee?
The Atmos™ Rewards Visa Business 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 Visa Business include?
The Atmos™ Rewards Visa Business 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 Visa Business?
Purchase Security and Extended Protection
$10,000/yrPurchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Lost Luggage Reimbursement
$3,000/yrwill reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.
Travel Accident Insurance
$3,000/yrprovides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.
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.
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.
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.
Related encyclopedia topics
Common questions about the Atmos™ Rewards Visa Business
Where do cardholders spend most with the Atmos™ Rewards Visa Business?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on general services postage and shipping (2x), gas (2x), other transportation (2x) for the Atmos™ Rewards Visa Business. 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.
Is the Atmos business card worth it?
The Atmos™ Rewards Visa® Business 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: 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.
Does the Atmos™ Rewards Visa Business have an annual fee?
The Atmos™ Rewards Visa Business 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 Visa Business?
Gas is the strongest Madeen category for the Atmos™ Rewards Visa Business 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 Visa Business charge foreign transaction fees?
The Atmos™ Rewards Visa Business 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.
What is the Atmos™ Rewards Visa Business welcome bonus?
The Atmos™ Rewards Visa Business welcome offer in our snapshot: 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.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
How does the Atmos™ Rewards Visa Business compare to similar cards?
Compare the Atmos™ Rewards Visa Business against Atmos Rewards™ Ascent Visa Signature (3.6% on Gas, $95 fee); Alaska Airlines Business (3.6% on Gas, $75 fee); Alaska Airlines Visa Signature (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 Visa Business This card | Gas | 3.6% | $95 |
| Gas | 3.6% | $95 | |
Bank of America | Gas | 3.6% | $75 |
Bank of America | 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.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure