Atmos™ Rewards Ascent Visa Signature®

Name: Atmos™ Rewards Ascent Visa Signature®
Brand: Bank of America, National Association
Price: 564.36 USD
Availability: InStock

A $95-annual-fee miles card from Bank of America, National Association, with airport lounge access and a $700 signup bonus.

Miles

Bank of America, National Association · VISA

Annual fee: $95
Purchase APR: 19.49–27.49%variable
Signup bonus: $700
Foreign transaction: None

Your NAV

Try your own numbers

Spending

Monthly spend$2,500

Enter what you spend per category each month. Anything left blank counts as $0.

GroceryDiningGasTravelEverything else

Lounge value / yrWhat airport lounge access is worth to you per year. Zero if you rarely fly. Rough anchors: • Never flies or never uses lounges: $0 • 1–3 visits/yr (occasional traveler): $100–$200 • 5–10 visits/yr (regular leisure + business): $300–$500 • 15+ visits/yr (frequent business traveler): $750–$1,500 • 25+ visits/yr (road warrior): $1,500+ A Priority Pass day pass costs $35–$50; premium third-party lounges run $50–$75. Pick a number that reflects what you'd actually pay if you had to buy each visit.$0 (not counted)

Revolving balance$0

Spending we calculated on

Monthly$2,500

Annual$30,000

What this card would give you

Cashback	$309
Statement credits	$350
Subtotal	$659

You'd earn $659 in value over the year.

What it would cost you

Annual fee	$95
Subtotal	$95

You'd pay $95 to hold the card.

Year 1 value$1,264

Ongoing / yr$564

Year 1 includes the $700 signup bonus.

Net Annual Value$564

Net: an estimated $564 ahead over the year at your profile.

Earn Rules

Gas	2.00%
All Other	1.00%

Rates with strings attached

These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.

on Alaska Airlines and Hawaiian Airlines purchases

3.00%

Statement Credits

Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.

$99 Companion Fare (plus taxes and fees from $23)yearSource ↗	$250/yr
$100 off an annual Alaska Lounge+ MembershipyearSource ↗	$100/yr

Total credits / year we count

$350

The total counts each credit at face value, and only the ones reachable at this spending level.

Signup Bonus

Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $2,500 or more on purchases within the first 90 days of opening your account.

Value: $700 · Spend $2,500 in 3 months

This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.

Who This Card Makes Sense For

People who reliably pay their balance in full each month. The 27.49% APR would wipe out the card's other benefits within a single billing cycle of revolving.
Travelers who will actually use the lounge access. Set what a visit is worth to you in the calculator above. It is counted as $0 until you do, so the $95 fee currently has to be covered by everything else.

Where This Came From

Annual fee“$95”
Source ↗
APR range“19.49% – 27.49%”
Source ↗

Wondering if this card pays off for your situation? Is the Atmos™ Rewards Ascent Visa Signature® worth it? →

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