Card Comparison
Atmos Rewards Ascent vs Atmos Rewards Summit
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$95/yr
$395/yr
Foreign Fees
None
None
Signup Bonus
85,000 points
Spend $4,500 in 4 months
100,000 points
Spend $6,000 in 3 months
Top Earn Rates
- Alaska Airlines and Hawaiian Airlines purchases 3x
- eligible gas, EV charging station, cable, streaming services and local transit 2x
- All Other Purchases 1x
- dining, foreign transaction, Alaska Airlines and Hawaiian Airlines 3x
- All Other Purchases 1x
Reward Type
miles
miles
Key Credits
None
- Annual Travel Credit $200
Card Perks
- free checked bag and preferred boarding (~$70/yr)
- $100 off an annual Alaska Lounge+ membership (~$100/yr)
- Enjoy 20% back on all Alaska Airlines and Hawaiian Airlines in-flight purchases (~$20/yr)
- Free checked bag (~$70/yr)
- 8 Alaska Lounge Passes (~$520/yr)
- TSA PreCheck® or Global Entry (~$118/yr)
- +2 more
Spend Milestones
- Annual $99 Companion Fare. Get a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines and Hawaiian Airlines flights within North America booked on AlaskaAir.comAfter $6,000 spend
- 100,000-point Global Companion AwardAfter $60,000 spend
Transfer Partners
No transfer partners
No transfer partners
Common Questions: Atmos Rewards Ascent vs Atmos Rewards Summit
Is the Atmos Rewards Ascent or Atmos Rewards Summit better for dining?
Atmos Rewards Ascent has no dining bonus; Atmos Rewards Summit earns 3x on dining.
Which has the higher signup bonus in 2026?
Atmos Rewards Ascent currently offers 85,000 pts signup bonus (spend $4,500 in 4 months). Atmos Rewards Summit offers 100,000 pts signup bonus (spend $6,000 in 3 months). Atmos Rewards Summit has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Atmos Rewards Ascent and the Atmos Rewards Summit?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Bank of America, so check their specific application rules.