Card Comparison
Atmos Rewards Ascent vs United Quest
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$95/yr
$350/yr
Foreign Fees
None
None
Signup Bonus
85,000 points
Spend $4,500 in 4 months
70,000 points
Spend $4,000 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
- Prepaid Hotel Stays (Renowned Hotels) 5x
- United Flights 3x
- Other Travel 2x
Reward Type
miles
miles
Key Credits
None
- United Travel Credit $200
- Statement Credit $150
- Statement Credit $100
- +3 more
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 First and Second Checked Bags
- Priority Boarding
- 25% Back on United Inflight Purchases
- +1 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
No milestones
Transfer Partners
No transfer partners
No transfer partners
Common Questions: Atmos Rewards Ascent vs United Quest
Is the Atmos Rewards Ascent or United Quest better for dining?
Atmos Rewards Ascent has no dining bonus; United Quest earns 2x 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). United Quest offers 70,000 pts signup bonus (spend $4,000 in 3 months). United Quest 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 United Quest?
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 United Quest is from Chase, so they're governed by separate bank policies.