Bank of America Atmos Rewards Ascent Visa Signature
Bank of America, Visa, $95 annual fee. Earns Alaska Atmos Rewards, valued at 1.55¢ a point.
Rates checked against the issuer 2026-09. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $473, or $378 after the fee.
Is the annual fee worth it?
It earns about $473 a year on the illustrative household's spending, which is $378 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $680 a year behind. On earning alone it does not catch up at any level of spending this looks at — its credits and perks have to make up the difference, or the fee is not paying for itself.
Price its credits, perks and sign-up bonus your way — tick what you would use and say what it is worth to you.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 3x | Alaska Airlines, Hawaiian Airlines only. Alaska and Hawaiian purchases only |
| Gas Stations, EV Charging, Streaming, Phone & Internet | 2x | |
| Public Transit, Rideshare & Taxis, Parking & Tolls | 2x | |
| Everything else | 1x |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $93 |
| Everything Else | $93 |
| Restaurants & Bars | $56 |
| Gas Stations | $56 |
| Phone & Internet | $45 |
| Online Shopping | $28 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
Protections and travel benefits
From the issuer's own benefit summary as of 2026-09. These are read from summaries rather than the full guide to benefits, which has the exclusions — check it before relying on one.
What the issuer lists besides rewards
- Companion Fare from $99 each anniversary after $6,000 of spend in the prior year
- First checked bag free on Alaska and Hawaiian for you and companions
Similar cards
- Citi AAdvantage Business World Elite Mastercard — annual fee $99 a year
- Citi AAdvantage Platinum Select — annual fee $99 a year
- Chase Rapid Rewards Plus — annual fee $99 a year
- Chase Rapid Rewards Premier — annual fee $149 a year
- Every airline card, ranked
- When an annual fee pays for itself
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.