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Companion flies from $99 after $6K spend
Alaska's companion fare lets your travel buddy fly from $99 one-way (plus taxes) after $6,000 annual spend, plus free checked bags for up to 7 people saves families $280 per roundtrip.
$95
Annual Fee
70,000
miles · Welcome Bonus
3X
Top Rate
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Alaska Airlines Atmos Rewards
Point Valuation
1.5–1.8 cpp (mid: 1.8)
Credit Required
Good to Excellent
Welcome Offer
70,000
miles
Spend $3,000 in the first 3 months
Earn 70,000 bonus points and a $99 Companion Fare (plus taxes from $23) after spending $3,000 in first 90 days from account opening
3X
3x miles on Alaska Airlines purchases
2X
2x miles on gas station purchases
2X
2x miles on shipping purchases
2X
2x miles on streaming service purchases
2X
2x miles on transit purchases
1X
1 mile per dollar on all other eligible purchases
Spend $500 on Alaska Airlines flights → earn 1,500 points worth $21.75 (at 1.45¢/point TPG valuation)
Spend $200/month on gas → earn 4,800 points per year worth $69.60
Spend $100/month on streaming and cable → earn 2,400 points per year worth $34.80
Spend $150/month on Uber and public transit → earn 3,600 points per year worth $52.20
Benefits & Perks
Program & Transfers
Your passport to possibility
Atmos Rewards is the combined loyalty program of Alaska Airlines and Hawaiian Airlines, formed in January 2026 when the two programs merged. Rated the #1 airline loyalty program by U.S. News & World Report (2025-2026), Atmos Rewards offers members access to 1,000+ destinations across 30+ airline partners worldwide, including the full oneworld alliance network. The program uses a status points system for elite qualification, with points earned from flights, credit card spending, and everyday partners like Lyft, hotels, and shopping. Status tiers include Silver (25% bonus), Gold (50% bonus), Platinum (100% bonus), and Titanium (150% bonus), with milestone rewards available at various thresholds allowing members to choose personalized perks. Atmos Rewards partners with Bank of America for co-branded credit cards including the Summit Visa Infinite and Ascent Visa Signature cards. The program offers free Starlink Wi-Fi for all members on Alaska and Hawaiian flights (rolling out 2026), complimentary upgrades across First Class, Premium Class, and partner airlines, and points that never expire.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic US Short-Haul Economy | 4,500 |
Reviews & Analysis
Details & Terms
| Purchase APR | 19.49%–27.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
In August 2025, Alaska Airlines' Mileage Plan merged with Hawaiian Airlines' HawaiianMiles to form Atmos Rewards, the combined loyalty program for both airlines. All existing miles were converted to Atmos Rewards points.
No, Atmos Rewards points do not expire as long as your account is in good standing.
Summit Visa Infinite cardholders can share points with up to 10 other Atmos members at no fee. Points can also be transferred to select hotel programs (Marriott 1:1, Wyndham 1:1, IHG 1:1). Sharing without the Summit card is possible but costly.
Media & Resources
Companion flies from $99 after $6K spend
Alaska's companion fare lets your travel buddy fly from $99 one-way (plus taxes) after $6,000 annual spend, plus free checked bags for up to 7 people saves families $280 per roundtrip.
$95
Annual Fee
70,000
miles · Welcome Bonus
3X
Top Rate
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Alaska Airlines Atmos Rewards
Point Valuation
1.5–1.8 cpp (mid: 1.8)
Credit Required
Good to Excellent
Welcome Offer
70,000
miles
Spend $3,000 in the first 3 months
Earn 70,000 bonus points and a $99 Companion Fare (plus taxes from $23) after spending $3,000 in first 90 days from account opening
3X
3x miles on Alaska Airlines purchases
2X
2x miles on gas station purchases
2X
2x miles on shipping purchases
2X
2x miles on streaming service purchases
2X
2x miles on transit purchases
1X
1 mile per dollar on all other eligible purchases
Spend $500 on Alaska Airlines flights → earn 1,500 points worth $21.75 (at 1.45¢/point TPG valuation)
Spend $200/month on gas → earn 4,800 points per year worth $69.60
Spend $100/month on streaming and cable → earn 2,400 points per year worth $34.80
Spend $150/month on Uber and public transit → earn 3,600 points per year worth $52.20
Benefits & Perks
Program & Transfers
Your passport to possibility
Atmos Rewards is the combined loyalty program of Alaska Airlines and Hawaiian Airlines, formed in January 2026 when the two programs merged. Rated the #1 airline loyalty program by U.S. News & World Report (2025-2026), Atmos Rewards offers members access to 1,000+ destinations across 30+ airline partners worldwide, including the full oneworld alliance network. The program uses a status points system for elite qualification, with points earned from flights, credit card spending, and everyday partners like Lyft, hotels, and shopping. Status tiers include Silver (25% bonus), Gold (50% bonus), Platinum (100% bonus), and Titanium (150% bonus), with milestone rewards available at various thresholds allowing members to choose personalized perks. Atmos Rewards partners with Bank of America for co-branded credit cards including the Summit Visa Infinite and Ascent Visa Signature cards. The program offers free Starlink Wi-Fi for all members on Alaska and Hawaiian flights (rolling out 2026), complimentary upgrades across First Class, Premium Class, and partner airlines, and points that never expire.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic US Short-Haul Economy | 4,500 |
Reviews & Analysis
Details & Terms
| Purchase APR | 19.49%–27.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
In August 2025, Alaska Airlines' Mileage Plan merged with Hawaiian Airlines' HawaiianMiles to form Atmos Rewards, the combined loyalty program for both airlines. All existing miles were converted to Atmos Rewards points.
No, Atmos Rewards points do not expire as long as your account is in good standing.
Summit Visa Infinite cardholders can share points with up to 10 other Atmos members at no fee. Points can also be transferred to select hotel programs (Marriott 1:1, Wyndham 1:1, IHG 1:1). Sharing without the Summit card is possible but costly.
Media & Resources
Companion flies from $99 after $6K spend
Alaska's companion fare lets your travel buddy fly from $99 one-way (plus taxes) after $6,000 annual spend, plus free checked bags for up to 7 people saves families $280 per roundtrip.
$95
Annual Fee
70,000
miles · Welcome Bonus
3X
Top Rate
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Alaska Airlines Atmos Rewards
Point Valuation
1.5–1.8 cpp (mid: 1.8)
Credit Required
Good to Excellent
Welcome Offer
70,000
miles
Spend $3,000 in the first 3 months
Earn 70,000 bonus points and a $99 Companion Fare (plus taxes from $23) after spending $3,000 in first 90 days from account opening
3X
3x miles on Alaska Airlines purchases
2X
2x miles on gas station purchases
2X
2x miles on shipping purchases
2X
2x miles on streaming service purchases
2X
2x miles on transit purchases
1X
1 mile per dollar on all other eligible purchases
Spend $500 on Alaska Airlines flights → earn 1,500 points worth $21.75 (at 1.45¢/point TPG valuation)
Spend $200/month on gas → earn 4,800 points per year worth $69.60
Spend $100/month on streaming and cable → earn 2,400 points per year worth $34.80
Spend $150/month on Uber and public transit → earn 3,600 points per year worth $52.20
Benefits & Perks
Program & Transfers
Your passport to possibility
Atmos Rewards is the combined loyalty program of Alaska Airlines and Hawaiian Airlines, formed in January 2026 when the two programs merged. Rated the #1 airline loyalty program by U.S. News & World Report (2025-2026), Atmos Rewards offers members access to 1,000+ destinations across 30+ airline partners worldwide, including the full oneworld alliance network. The program uses a status points system for elite qualification, with points earned from flights, credit card spending, and everyday partners like Lyft, hotels, and shopping. Status tiers include Silver (25% bonus), Gold (50% bonus), Platinum (100% bonus), and Titanium (150% bonus), with milestone rewards available at various thresholds allowing members to choose personalized perks. Atmos Rewards partners with Bank of America for co-branded credit cards including the Summit Visa Infinite and Ascent Visa Signature cards. The program offers free Starlink Wi-Fi for all members on Alaska and Hawaiian flights (rolling out 2026), complimentary upgrades across First Class, Premium Class, and partner airlines, and points that never expire.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic US Short-Haul Economy | 4,500 |
Reviews & Analysis
Details & Terms
| Purchase APR | 19.49%–27.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
In August 2025, Alaska Airlines' Mileage Plan merged with Hawaiian Airlines' HawaiianMiles to form Atmos Rewards, the combined loyalty program for both airlines. All existing miles were converted to Atmos Rewards points.
No, Atmos Rewards points do not expire as long as your account is in good standing.
Summit Visa Infinite cardholders can share points with up to 10 other Atmos members at no fee. Points can also be transferred to select hotel programs (Marriott 1:1, Wyndham 1:1, IHG 1:1). Sharing without the Summit card is possible but costly.
Media & Resources
Combined Protection Value
$500,775
Secondary coverage for theft and collision damage on eligible rental vehicles when you decline the rental company's insurance
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Save up to 25% on Avis and Budget rentals with complimentary upgrades and expedited pickup membership.
| alaska_mileage_plan |
| — |
| — |
| US to Hawaii Economy on Alaska/Hawaiian | 10,000 | alaska_mileage_plan | — | — |
| US to Hawaii First Class | 30,000 | alaska_mileage_plan | — | — |
| US to Europe Business Class | 45,000 | alaska_mileage_plan | — | — |
| US to Japan Business Class on JAL | 60,000 | alaska_mileage_plan | — | — |
| US to Japan First Class on JAL | 75,000 | alaska_mileage_plan | — | — |
| US to Hong Kong Business on Cathay Pacific | 85,000 | alaska_mileage_plan | — | — |
| US to South America Business Class | 35,000 | alaska_mileage_plan | — | — |
| Fiji Airways Business to South Pacific | 75,000 | alaska_mileage_plan | — | — |
| US to Australia Business on Qantas | 85,000 | alaska_mileage_plan | — | — |
| US to South Korea Economy | 30,000 | alaska_mileage_plan | — | — |
| Short-Haul Partner Economy | 7,500 | alaska_mileage_plan | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$95
Net Annual Value
-$90.20
Bilt Rewards transfers in at 1:1, Marriott Bonvoy at 3:1, Best Western at 5:1, IHG at 5:1, and Choice Privileges at 5:1. Summit cardholders can transfer out to Marriott, Wyndham, IHG, Preferred Hotels, and Shangri-La.
Starting in 2026, members choose between distance-based (1 status point per mile), spending-based (5 per dollar), or segment-based (500 per segment). Credit cards also earn status points: Summit earns 1 per $2 spent, Ascent and Business earn 1 per $3 spent.
Yes, Atmos allows a free stopover on eligible one-way international partner awards at partner hubs like Tokyo (JAL), Hong Kong (Cathay), or Madrid (Iberia). You can also build stopovers into Alaska multicity domestic awards.
No fees for canceling or changing award tickets. Points are refunded to your account, taxes/fees to your payment method. There is a non-refundable partner booking fee of $12.50 per person each way.
Review highlighting why this is one of the best value airline cards for West Coast travelers and Hawaii regulars, with companion fare ROI analysis
Fee justification analysis covering companion fare value, status point earning, and how to maximize the card's benefits to offset the $95 annual fee
Comprehensive review covering the $99 companion fare benefit, free checked bags for up to 7 people, 70K bonus points welcome offer, and how the card compares to Chase Sapphire Preferred and Bilt Mastercard
In-depth review analyzing the card's companion fare value, limited route network considerations, and comparison with other travel cards including Chase Sapphire Preferred and Capital One Venture
Expert review with 4/5 rating, 1.45 cpp valuation, analysis of the 70K bonus points offer and $99 companion fare benefit, plus earning rates breakdown
Analysis of whether the annual fee is justified by the companion fare, free checked bags, and earning rates on Alaska flights and everyday purchases
Detailed guide evaluating whether Alaska's Atmos credit cards deliver value for different traveler types, comparing the Ascent and Summit cards
Side-by-side comparison of Alaska's two personal credit cards, analyzing annual fees, earning rates, perks, and which card suits different spending patterns
Strategic guide on maximizing Alaska Airlines purchases including whether to use co-branded cards, general travel cards, or category bonus cards
Roundup of top airline cards including the Atmos Rewards Ascent, comparing benefits like free checked bags, companion certificates, and earning rates
Detailed analysis of the merged Alaska-Hawaiian program's entry-level card, including status point earning and companion fare mechanics
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Combined Protection Value
$500,775
Secondary coverage for theft and collision damage on eligible rental vehicles when you decline the rental company's insurance
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Save up to 25% on Avis and Budget rentals with complimentary upgrades and expedited pickup membership.
| alaska_mileage_plan |
| — |
| — |
| US to Hawaii Economy on Alaska/Hawaiian | 10,000 | alaska_mileage_plan | — | — |
| US to Hawaii First Class | 30,000 | alaska_mileage_plan | — | — |
| US to Europe Business Class | 45,000 | alaska_mileage_plan | — | — |
| US to Japan Business Class on JAL | 60,000 | alaska_mileage_plan | — | — |
| US to Japan First Class on JAL | 75,000 | alaska_mileage_plan | — | — |
| US to Hong Kong Business on Cathay Pacific | 85,000 | alaska_mileage_plan | — | — |
| US to South America Business Class | 35,000 | alaska_mileage_plan | — | — |
| Fiji Airways Business to South Pacific | 75,000 | alaska_mileage_plan | — | — |
| US to Australia Business on Qantas | 85,000 | alaska_mileage_plan | — | — |
| US to South Korea Economy | 30,000 | alaska_mileage_plan | — | — |
| Short-Haul Partner Economy | 7,500 | alaska_mileage_plan | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$95
Net Annual Value
-$90.20
Bilt Rewards transfers in at 1:1, Marriott Bonvoy at 3:1, Best Western at 5:1, IHG at 5:1, and Choice Privileges at 5:1. Summit cardholders can transfer out to Marriott, Wyndham, IHG, Preferred Hotels, and Shangri-La.
Starting in 2026, members choose between distance-based (1 status point per mile), spending-based (5 per dollar), or segment-based (500 per segment). Credit cards also earn status points: Summit earns 1 per $2 spent, Ascent and Business earn 1 per $3 spent.
Yes, Atmos allows a free stopover on eligible one-way international partner awards at partner hubs like Tokyo (JAL), Hong Kong (Cathay), or Madrid (Iberia). You can also build stopovers into Alaska multicity domestic awards.
No fees for canceling or changing award tickets. Points are refunded to your account, taxes/fees to your payment method. There is a non-refundable partner booking fee of $12.50 per person each way.
Review highlighting why this is one of the best value airline cards for West Coast travelers and Hawaii regulars, with companion fare ROI analysis
Fee justification analysis covering companion fare value, status point earning, and how to maximize the card's benefits to offset the $95 annual fee
Comprehensive review covering the $99 companion fare benefit, free checked bags for up to 7 people, 70K bonus points welcome offer, and how the card compares to Chase Sapphire Preferred and Bilt Mastercard
In-depth review analyzing the card's companion fare value, limited route network considerations, and comparison with other travel cards including Chase Sapphire Preferred and Capital One Venture
Expert review with 4/5 rating, 1.45 cpp valuation, analysis of the 70K bonus points offer and $99 companion fare benefit, plus earning rates breakdown
Analysis of whether the annual fee is justified by the companion fare, free checked bags, and earning rates on Alaska flights and everyday purchases
Detailed guide evaluating whether Alaska's Atmos credit cards deliver value for different traveler types, comparing the Ascent and Summit cards
Side-by-side comparison of Alaska's two personal credit cards, analyzing annual fees, earning rates, perks, and which card suits different spending patterns
Strategic guide on maximizing Alaska Airlines purchases including whether to use co-branded cards, general travel cards, or category bonus cards
Roundup of top airline cards including the Atmos Rewards Ascent, comparing benefits like free checked bags, companion certificates, and earning rates
Detailed analysis of the merged Alaska-Hawaiian program's entry-level card, including status point earning and companion fare mechanics
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Combined Protection Value
$500,775
Secondary coverage for theft and collision damage on eligible rental vehicles when you decline the rental company's insurance
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Save up to 25% on Avis and Budget rentals with complimentary upgrades and expedited pickup membership.
| alaska_mileage_plan |
| — |
| — |
| US to Hawaii Economy on Alaska/Hawaiian | 10,000 | alaska_mileage_plan | — | — |
| US to Hawaii First Class | 30,000 | alaska_mileage_plan | — | — |
| US to Europe Business Class | 45,000 | alaska_mileage_plan | — | — |
| US to Japan Business Class on JAL | 60,000 | alaska_mileage_plan | — | — |
| US to Japan First Class on JAL | 75,000 | alaska_mileage_plan | — | — |
| US to Hong Kong Business on Cathay Pacific | 85,000 | alaska_mileage_plan | — | — |
| US to South America Business Class | 35,000 | alaska_mileage_plan | — | — |
| Fiji Airways Business to South Pacific | 75,000 | alaska_mileage_plan | — | — |
| US to Australia Business on Qantas | 85,000 | alaska_mileage_plan | — | — |
| US to South Korea Economy | 30,000 | alaska_mileage_plan | — | — |
| Short-Haul Partner Economy | 7,500 | alaska_mileage_plan | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$95
Net Annual Value
-$90.20
Bilt Rewards transfers in at 1:1, Marriott Bonvoy at 3:1, Best Western at 5:1, IHG at 5:1, and Choice Privileges at 5:1. Summit cardholders can transfer out to Marriott, Wyndham, IHG, Preferred Hotels, and Shangri-La.
Starting in 2026, members choose between distance-based (1 status point per mile), spending-based (5 per dollar), or segment-based (500 per segment). Credit cards also earn status points: Summit earns 1 per $2 spent, Ascent and Business earn 1 per $3 spent.
Yes, Atmos allows a free stopover on eligible one-way international partner awards at partner hubs like Tokyo (JAL), Hong Kong (Cathay), or Madrid (Iberia). You can also build stopovers into Alaska multicity domestic awards.
No fees for canceling or changing award tickets. Points are refunded to your account, taxes/fees to your payment method. There is a non-refundable partner booking fee of $12.50 per person each way.
Review highlighting why this is one of the best value airline cards for West Coast travelers and Hawaii regulars, with companion fare ROI analysis
Fee justification analysis covering companion fare value, status point earning, and how to maximize the card's benefits to offset the $95 annual fee
Comprehensive review covering the $99 companion fare benefit, free checked bags for up to 7 people, 70K bonus points welcome offer, and how the card compares to Chase Sapphire Preferred and Bilt Mastercard
In-depth review analyzing the card's companion fare value, limited route network considerations, and comparison with other travel cards including Chase Sapphire Preferred and Capital One Venture
Expert review with 4/5 rating, 1.45 cpp valuation, analysis of the 70K bonus points offer and $99 companion fare benefit, plus earning rates breakdown
Analysis of whether the annual fee is justified by the companion fare, free checked bags, and earning rates on Alaska flights and everyday purchases
Detailed guide evaluating whether Alaska's Atmos credit cards deliver value for different traveler types, comparing the Ascent and Summit cards
Side-by-side comparison of Alaska's two personal credit cards, analyzing annual fees, earning rates, perks, and which card suits different spending patterns
Strategic guide on maximizing Alaska Airlines purchases including whether to use co-branded cards, general travel cards, or category bonus cards
Roundup of top airline cards including the Atmos Rewards Ascent, comparing benefits like free checked bags, companion certificates, and earning rates
Detailed analysis of the merged Alaska-Hawaiian program's entry-level card, including status point earning and companion fare mechanics
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Extends manufacturer's warranty by 1 year on eligible warranties of 3 years or less
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Accidental death and dismemberment coverage up to $500,000 when traveling on common carriers paid with your card
Extends manufacturer's warranty by 1 year on eligible warranties of 3 years or less
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Accidental death and dismemberment coverage up to $500,000 when traveling on common carriers paid with your card
Extends manufacturer's warranty by 1 year on eligible warranties of 3 years or less
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Accidental death and dismemberment coverage up to $500,000 when traveling on common carriers paid with your card
