Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Atmos Rewards Ascent vs OpenSky Secured Visa

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
OpenSky Secured Visa card art
OpenSky
OpenSky Secured Visa
Capital Bank
More Info
Annual Fee
$95/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
85,000 points
Spend $4,500 in 4 months
None
Top Earn Rates
  • Alaska/Hawaiian Airlines 3x
  • Gas Stations 2x
  • EV Charging 2x
  • Select Merchants 10x
  • All Other Purchases 1x
Reward Type
miles
cashback
Pts Value
~1.50¢/pt points · industry est.
~1.00¢/pt points · industry est.
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)
None listed
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
Cash back only
Open full comparison tool Compare more cards

Common Questions: Atmos Rewards Ascent vs OpenSky Secured Visa

Is the Atmos Rewards Ascent or OpenSky Secured Visa better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Atmos Rewards Ascent currently offers 85,000 pts signup bonus (spend $4,500 in 4 months). OpenSky Secured Visa offers no current bonus. 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 OpenSky Secured Visa?

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 OpenSky Secured Visa is from Capital Bank, so they're governed by separate bank policies.