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CardCurator — Rewards Intelligence
Card Comparison

Atmos Rewards Ascent vs LATAM Airlines World Elite Mastercard

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Atmos Rewards Ascent card art
Atmos Rewards
Atmos Rewards Ascent
Bank of America
More Info
LATAM Airlines World Elite Mastercard card art
Latam Pass Miles
LATAM Airlines World Elite Mastercard
Cardless
More Info
Annual Fee
$95/yr
$99/yr
Foreign Fees
None
None
Signup Bonus
85,000 points
Spend $4,500 in 4 months
45,000 points
Spend $2,500 in 3 months
Top Earn Rates
  • Alaska/Hawaiian Airlines 3x
  • Gas Stations 2x
  • EV Charging 2x
  • LATAM Airlines 4x
  • Restaurants, Rideshare, taxis, & public transit 3x
  • All Other Purchases 1x
Reward Type
miles
miles
Key Credits
None
None
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)
  • LATAM Airlines-operated VIP Lounges (~$100/yr)
  • Cabin Upgrade (~$50/yr)
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.com
    After $6,000 spend
No milestones
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: Atmos Rewards Ascent vs LATAM Airlines World Elite Mastercard

Is the Atmos Rewards Ascent or LATAM Airlines World Elite Mastercard better for dining?

Atmos Rewards Ascent has no dining bonus; LATAM Airlines World Elite Mastercard 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). LATAM Airlines World Elite Mastercard offers 45,000 pts signup bonus (spend $2,500 in 3 months). Atmos Rewards Ascent 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 LATAM Airlines World Elite Mastercard?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Atmos Rewards Ascent is from Bank of America and LATAM Airlines World Elite Mastercard is from Cardless, so they're governed by separate bank policies.