Our illustration, not the card’s design
Bank of America credit card
Atmos™ Alaska Airlines Business Credit Card
Purchase APR 19.74–27.74%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Annual fee
- For the company and $25 per cardReceipt · Annual feeChecked Nov 1, 2026
Issuer's page · bankofamerica.com
“Plus, a low annual fee of $70 for the company and $25 per card.”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · bankofamerica.com
“19.74% to 27.74% Variable APR”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · bankofamerica.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$70 | −$70 | |
| Typical spender | −$70 | −$70 | |
| Heavy spender | −$70 | −$70 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
−$70a year
The same in the first year and after.
Rewards and credits$0
−$70 after the fee−$70 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
−$70a year
The same in the first year and after.
Rewards and credits$0
−$70 after the fee−$70 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
−$70a year
The same in the first year and after.
Rewards and credits$0
−$70 after the fee−$70 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- Lower top APR than about 35% of the 651 cards we track.
Other cards without rewards
- Costco Anywhere Visa Business Card by CitiCiti+$70 a year
- Merrick BankMerrick Bank+$70 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Benefits
- $99 Companion Fare (plus taxes and fees from $23), earned with the welcome offer after $4,000 or more in purchases within 90 days
- Rental car
- Travel accident: $1 million
- Purchase protection
- Extended warranty
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · bankofamerica.com “Plus, a low annual fee of $70 for the company and $25 per card.” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com “19.74% to 27.74% Variable APR” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com “19.74% to 27.74% Variable APR” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · bankofamerica.com “5% of the amount of each transaction.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com “27.99% Cash Advance Variable APR” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · bankofamerica.com “5% of the amount of each transaction.” |
| Penalty APR | Receipt · Penalty APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · bankofamerica.com “$0 if balance less than or equal to $100; $29 if $100.01 - $1,000; $39 if $1,000.01 - $5,000; $49 if greater than $5,000.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · bankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · bankofamerica.com “Per company & $25 per card” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $70 for the company and $25 per card. · bankofamerica.com, since Oct 8, 2026
- Does it charge a foreign transaction fee?
- No. · bankofamerica.com, since Oct 11, 2026
- What is the purchase APR?
- 19.74–27.74% APR · bankofamerica.com, since Oct 2, 2026