Atmos Ascent vs. Atmos Enterprise: Which card must you get?

Metro Loud
11 Min Read

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If you wish to gather Atmos Rewards factors to make use of for Alaska Airways and Hawaiian Airways flights, you might be focused on making use of for certainly one of their cobranded bank cards.

The Atmos™ Rewards Ascent Visa Signature® bank card and the Atmos™ Rewards Visa Signature® Enterprise Card are two mid-tier choices to think about. Even in case you aren’t a enterprise proprietor, you should still be capable to get permitted for the Atmos Rewards Enterprise card.

Past the worth of Atmos Rewards factors, one more reason to think about these playing cards is that they’re each issued by Financial institution of America. This issues in case you’ve already reached your restrict with American Specific or are restricted by Chase’s 5/24 rule.

In that case, seeking to different banks on your subsequent bank card is a great technique.

Let’s take a more in-depth have a look at these two playing cards and see how they examine.

Atmos Rewards Ascent vs. Atmos Rewards Enterprise comparability

Card title Atmos Rewards Ascent Atmos Rewards Enterprise

$95

$95 ($70 per firm plus $25 per card)

Earn 70,000 bonus factors and a $99 Companion Fare (plus taxes and charges from $23) after spending $3,000 on purchases throughout the first 90 days of opening your account.

Earn 70,000 bonus factors and a $99 Companion Fare (plus taxes and charges from $23) after spending $4,000 on purchases throughout the first 90 days of opening your account.

  • 3 factors per greenback spent on eligible Alaska Airways and Hawaiian Airways purchases
  • 2 factors per greenback spent on cable and choose streaming providers, at eligible electrical car charging and gasoline stations, and on native transit (together with ride-hailing providers)
  • 1 level per greenback spent on different purchases

  • 3 factors per greenback spent on eligible Alaska Airways and Hawaiian Airways purchases
  • 2 factors per greenback spent at eligible EV charging and gasoline stations, and on native transit (together with ride-hailing providers) and delivery purchases
  • 1 level per greenback spent on different purchases

  • Annual Companion Fare (every account anniversary after spending $6,000 or extra on purchases throughout the prior anniversary yr)
  • Free checked bag*
  • Most well-liked boarding*
  • Alaska Lounge+ membership low cost
  • Inflight low cost

  • Annual Companion Fare (every account anniversary after spending $6,000 or extra on purchases throughout the prior anniversary yr)
  • Free checked bag*
  • Most well-liked boarding*
  • Alaska Lounge+ membership low cost
  • Inflight low cost

  • 10% rewards bonus on all factors earned from purchases when you’ve got an eligible Financial institution of America account
  • No overseas transaction charges

  • 10% rewards bonus on all factors earned from purchases if your organization has an eligible Financial institution of America account
  • No overseas transaction charges

*Whenever you buy your flight together with your card

Atmos Rewards Ascent vs. Atmos Rewards Enterprise welcome bonus

The private Atmos Rewards Ascent is at present providing new cardholders the prospect to earn 70,000 bonus factors and a $99 Companion Fare (plus taxes and charges from $23) after spending $3,000 on purchases throughout the first 90 days of opening your account.

In the meantime, the Atmos Rewards Enterprise is providing new cardholders the power to earn 70,000 bonus factors and a $99 Companion Fare (plus taxes and charges from $23) after spending $4,000 on purchases throughout the first 90 days of opening your account.

Atmos Rewards Business and Atmos Rewards Ascent
THE POINTS GUY

Based on TPG’s January 2026 valuations, Atmos Rewards factors are price 1.45 cents per level. So, the factors included in these presents are price $1,015.

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Winner: Ascent. Whereas the bonus factors and Companion Fare are the identical, the minimal spending requirement is decrease.

Atmos Rewards Ascent vs. Atmos Rewards Enterprise advantages

These two playing cards have equivalent perks.

Journey advantages

Whenever you pay on your flight together with your Atmos Rewards Ascent or Atmos Rewards Enterprise, you and as much as six friends on the identical reservation will obtain:

Companion Fare

Each playing cards embrace an annual Companion Fare, one of the crucial beneficiant airline bank card perks out there. In impact, it is a buy-one-get-one-discounted deal (plus taxes and charges).

Nevertheless — and it is a large one — you must spend $6,000 or extra on purchases throughout the prior anniversary yr to earn the Companion Fare on both card (other than any that include the welcome bonus).

WALLACE COTTON/THE POINTS GUY

Whenever you ebook a round-trip economic system ticket on Alaska Airways or Hawaiian Airways, you need to use the Companion Fare to order a second ticket on the identical reservation from $122 ($99 fare plus taxes and charges from $23).

The Companion Fare have to be redeemed inside 12 months of the problem date, although the precise journey can happen after that, extending its usefulness to just about two years. Even higher, each vacationers accrue full factors credit score for his or her flights and are eligible for upgrades.

The cardholder does not even must be flying, however should use their Atmos Rewards card to pay for the tickets. Relying on the way you redeem your Companion Fare, it may be price lots of of {dollars}.

That is very true on a few of the airways’ costlier routes, like these between the U.S. mainland and Hawaii, and might greater than offset both card’s annual payment every year.

Elite standing

Each playing cards additionally earn standing factors based mostly on spending, serving to you’re employed towards elite standing. The speed is 1 standing level per $3 spent, with no cap.

Reductions

Each playing cards present $100 off one Alaska Lounge+ membership every year when paid with the Atmos Rewards card.

Plus, cardholders get a 20% low cost on in-flight meals, drinks and Wi-Fi.

Winner: Tie.

Incomes factors on the Atmos Rewards Ascent vs. Atmos Rewards Enterprise

Listed below are the overlapping incomes charges for each playing cards:

  • 3 factors per greenback spent on eligible Alaska Airways and Hawaiian Airways purchases
  • 2 factors per greenback spent at EV charging stations and gasoline stations, and on native transit (together with ride-hailing providers)
  • 1 level per greenback spent on all different purchases
Man using a laptop and smart phone while holding a credit card
MSTUDIOIMAGES/GETTY IMAGES

The private Atmos Rewards Ascent additionally earns 2 factors per greenback spent on cable and choose streaming providers, whereas the Atmos Rewards Enterprise presents 2 factors per greenback spent on delivery purchases.

Winner: Tie. Each playing cards supply comparable incomes charges.

Redeeming factors on the Atmos Rewards Ascent vs. Atmos Rewards Enterprise

There are a number of useful methods to maximise Atmos Rewards factors.

For brief-haul Alaska Airways flights, comparable to from Portland, Oregon, to San Francisco, you possibly can redeem as few as 5,000 Atmos Rewards factors for every leg of the journey. Even for longer flights, economic system awards typically begin at 12,500 factors.

Alaska 737 MAX 9
SEAN CUDAHY/THE POINTS GUY

In the event you want a first-class expertise, longer home flights usually require 50,000 factors, however shorter flights can begin as little as 15,000 factors for every leg in first-class.

TPG contributing editor for bank cards Matt Moffitt counts Atmos Rewards factors as his favourite airline foreign money. He just lately redeemed 55,000 factors (plus $18 in taxes) for a one-way flight from Chicago to London in American Airways’ flagship business-class product.

Winner: Tie. Each playing cards earn Atmos Rewards factors and standing factors and supply the identical redemption choices.

Ought to I get the Atmos Rewards Ascent or the Atmos Rewards Enterprise?

Because the playing cards are so comparable, the principle deciding issue is whether or not you qualify for a enterprise card. In the event you do, select based mostly in your spending habits: delivery purchases earn extra on the Atmos Enterprise, whereas cable and streaming providers favor the Atmos Ascent. As a result of they’re separate merchandise, eligible enterprise house owners can apply for each to earn two welcome bonuses and two annual Companion Fares.

Backside line

Each the Atmos Rewards Ascent and the Atmos Rewards Enterprise ship wonderful long-term worth due to the beneficiant Companion Fare, useful Atmos Rewards factors and journey perks.

With annual charges underneath $100, they will simply pay for themselves after only one redemption, particularly on pricey routes prefer to and from Hawaii and cross-country flights.

For frequent Alaska or Hawaiian flyers, both card is a great addition to your pockets, and holding each may unlock even larger rewards.

To be taught extra, learn our full evaluations of the Atmos Rewards Ascent and Atmos Rewards Enterprise.


Apply right here: Atmos Rewards Ascent
Apply right here: Atmos Rewards Enterprise


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