Is the Atmos Rewards Ascent Visa Signature worth $95/yr?
The honest math on the Atmos Rewards Ascent Visa Signature: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $95 annual fee.
Bank of America · $95 annual fee · earns Atmos Rewards points
Earning rates
- 3x Alaska Airlines & Hawaiian Airlines purchases
- 2x Gas, EV charging, cable, streaming & local transit (incl. rideshare)
- 1x Everything else
Certificates (1)
- Annual Companion Fare — A companion ticket for $122 ($99 fare plus taxes and fees from $23) on any Alaska or Hawaiian flight, once per account anniversary, after $6,000 in card spend the prior year.
Protections and perks (10)
- Free Checked Bag — First checked bag free on Alaska Airlines and Hawaiian Airlines flights for you and up to 6 guests on the same reservation, when you pay for the flight with this card.
- 20% Back on Inflight Purchases — 20% back as a statement credit on Alaska Airlines and Hawaiian Airlines inflight purchases — food, drinks, Wi-Fi — when paid with this card.
- Preferred Boarding — Board Alaska Airlines and Hawaiian Airlines flights ahead of general boarding, for you and up to 6 guests on the same reservation.
- $100 Off Alaska Lounge+ Membership — $100 off an annual Alaska Lounge+ membership when purchased with this card.
- No Foreign Transaction Fees — No surcharge on purchases abroad.
- Trip Cancellation / Interruption — Up to $1,500 per trip for the non-refundable common-carrier fare (airfare, not hotels or tours) charged to the card, if a covered trip is cancelled or cut short for a covered reason.
- Trip Delay Reimbursement — Up to $500 per purchased ticket for reasonable additional expenses (meals, lodging) when a common-carrier trip paid with the card is delayed more than 12 hours; one claim per covered trip.
- Lost Luggage Reimbursement — Reimburses the difference between what the common carrier pays and the value of checked or carry-on luggage lost to theft or misdirection, up to $3,000 per covered trip ($2,000 per bag for New York residents).
- Secondary Rental Car Coverage — Secondary collision/theft coverage up to the car's actual cash value — pays after your personal auto policy (primary if you have none or rent abroad); you must decline the counter waiver. Rentals up to 15 consecutive days in your home country, 31 abroad.
- Extended Warranty — Doubles the manufacturer's warranty by up to one extra year on eligible warranties of 3 years or less, up to $10,000 per claim and $50,000 per cardholder.
Card data verified against Bank of America on 2026-08-21.
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