RateHerald

Our illustration, not the card’s design

Bank of America credit card

Atmos™ Rewards Ascent Visa Signature® Alaska Airlines Credit Card

  • Bonus up · 50,00070,000 · Nov 1, 2026
  • APR up · 19.49%19.74% · Oct 4, 2026

$95 a year. 70,000 points after you spend $2,500 in 3 months. Purchase APR 19.74–27.74%, variable. No foreign transaction fees.

Checked Nov 8, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Bank of America’s terms

Welcome offer

70,000 points

After you spend $2,500 on purchases in your first 3 months.

Spending it takes
$833 a month
for 3 months
Tracking since
Nov 1, 2026
history will chart every change

Limited-time online offer. Spend $2,500 or more on purchases within the first 90 days of opening the account. Also includes a $99 Companion Fare (plus taxes and fees from $23).

  • The highest we’ve seen on this card: above every earlier offer (most recently 50,000 points until 2026-11-01).
  • Larger than about 80% of the 44 other points bonuses we track.

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.

SpendingValue against the feeFirst yearAfter
Light spender$735$35
Typical spender$930$230
Heavy spender$1,300$600
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

Assumed: not counted: 10x 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account; points valued at an assumed 1¢.

$35a year

$735 the first year, with the welcome bonus.

Rewards and credits$130

You keep $35−$95 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 10x 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account; points valued at an assumed 1¢.

$230a year

$930 the first year, with the welcome bonus.

Rewards and credits$325

You keep $230−$95 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 10x 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account; points valued at an assumed 1¢.

$600a year

$1,300 the first year, with the welcome bonus.

Rewards and credits$695

You keep $600−$95 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 10x 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account; points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 8, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 65% of the 732 cards we track.

  • Lower top APR than about 55% of the 163 cards on our Sign-up bonuses list (see the list).
  • Lower annual fee than about 25% of the 171 cards on our Sign-up bonuses list (see the list).

Other points cards with fees up to $100

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

Atmos™ Rewards

How you earn

10%
10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account
3×
eligible Alaska Airlines and Hawaiian Airlines purchases
2×
eligible gas purchaseseligible EV charging station purchaseseligible cable purchaseseligible streaming services purchaseseligible local transit purchases, including rideshare
1×
Everything else

“What it’s worth” values a point at an assumed 1¢.

Benefits

  • Free checked bag for you and up to 6 guests on the same reservation when paying for an Alaska Airlines or Hawaiian Airlines flight with the card
  • Preferred boarding for you and up to 6 guests on the same reservation when paying for an Alaska Airlines or Hawaiian Airlines flight with the card
  • 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases when paying with the card
  • $99 Companion Fare (plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases in the prior anniversary year
  • $99 Companion Fare (plus taxes and fees from $23) with the limited-time online welcome offer after spending $2,500 or more in the first 90 days
All 8 benefits
  • $100 off an annual Alaska Lounge+ Membership purchased with the card
  • No blackout dates on Alaska Airlines and Hawaiian Airlines flights when booking with points or a companion fare
  • Other

Changes

APR
19.49%19.74% since Oct 4Oct 4Today
Welcome bonus
50,000 points70,000 points since Nov 1Oct 4Today
  • Nov 1, 2026 Bonus 50,00070,000
  • Oct 4, 2026 APR 19.49%19.74%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Foreign transactions
Grace period

Before you apply

  1. 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).
  2. 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?
$95 · Reported to the CFPB, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · Reported to the CFPB, since Oct 4, 2026
What is the purchase APR?
19.74–27.74% APR · bankofamerica.com, since Oct 4, 2026
Is there a welcome bonus?
70,000 points after $2,500 in purchases in 3 months. · bankofamerica.com, since Nov 1, 2026
See it on bankofamerica.com

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