Bank of America · Visa · travel
Atmos Rewards Ascent
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Terms read from Bank of America's page on Oct 16, 2026.
Year 1, after fees
estimated value, about $1,418, based on 1.5 cents per point
Year 2+, after fees
estimated value, about $668, based on 1.5 cents per point
every year after
3 years, after fees
estimated value, about $2,755, based on 1.5 cents per point
Break-even
Month 1
Earn rate by category
Points at 1.50¢ each (lowest published value); published range 1.5¢ to 1.55¢. Source: The Points Guy monthly valuations, October 2026.
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | ~$889 | ~$139 | ~$1,167 | Month 2 |
| Couple ($2,555/mo) | ~$1,230 | ~$480 | ~$2,190 | Month 1 |
| Family ($3,350/mo) | ~$1,418 | ~$668 | ~$2,755 | Month 1 |
| Frequent traveller ($3,880/mo) | ~$1,577 | ~$827 | ~$3,230 | Month 1 |
| Big spender ($7,960/mo) | ~$2,441 | ~$1,691 | ~$5,822 | Month 1 |
Who it suits
- People who spend a lot on bills and gas, where it earns above its base rate.
- Even light spenders: on a student's $985 a month it still earns back its fee.
Who should skip it
- Nothing stands out on the presets; check it against your own spending.
Fees and rates
- Annual fee
- $95
- Foreign transaction fee
- Not stated
- Purchase APR
- 19.74% to 27.74% (variable)
Rewards
- 3x on alaska and Hawaiian Airlines purchases (assumed half of your flight spending)
- 2x on gas and EV charging, cable, streaming, local transit and rideshare
- 1x on everything else
Eligibility and availability
- Income
- None published
Published requirements only. We don't estimate approval odds.
Assumptions
- Point value: Atmos Rewards (Alaska and Hawaiian) points at 1.50 cents each: no redemption style chosen, so its lowest published value (it has no cash redemption). Source: The Points Guy monthly valuations, October 2026.
- Welcome bonus: 50,000 points and a $99 Companion Fare after $1,500 in purchases in the first 90 days. Your spending meets it in month 1.
- Note: The Companion Fare isn't valued.
- Note: The 10% bonus for Bank of America account holders isn't counted.
Not counted or not confirmed
- Foreign transaction fee isn't on the card page.
Perks, listed but not valued
- Free checked bag and preferred boarding
- $99 Companion Fare each anniversary after $6,000 a year
- 20% back on inflight purchases
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's ~$668.
Chase IHG One Rewards PremierYear 2+ ~$1,243
Wells Fargo One Key CardYear 2+ $864
Chase Marriott Bonvoy BoundlessYear 2+ ~$809
Frequently asked questions
Is the Bank of America Atmos Rewards Ascent worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth ~$1,418 in year 1 and ~$668 a year after that, after a $95 annual fee. It covers its fee by month 1.
What is the Bank of America Atmos Rewards Ascent welcome offer?
50,000 points and a $99 Companion Fare after $1,500 in purchases in the first 90 days.
Does the Bank of America Atmos Rewards Ascent charge foreign transaction fees?
The issuer's page doesn't state its foreign transaction fee, so check the full terms before travelling.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 59 other cards on the US card comparison or read how cards are valued.