Atmos™ Rewards Ascent Visa Signature®
A $95-annual-fee points card from Bank of America, National Association, with airport lounge access and a $700 signup bonus.
Bank of America, National Association · VISA
- Annual fee
- $95
- Purchase APR
- 19.49–27.49%variable
- Signup bonus
- $700
Earn Rules
| Gas | 2.00% |
| Travel | 2.00% |
| Streaming | 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.
| with an eligible Bank of America® account | 3.30% |
| on Alaska Airlines and Hawaiian Airlines purchases | 3.00% |
| with an eligible Bank of America® account | 2.20% |
| with an eligible Bank of America® account | 2.20% |
| with an eligible Bank of America® account | 2.20% |
| with an eligible Bank of America® account | 1.10% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| $100 off an annual Alaska Lounge+ MembershipyearSource ↗ | $100/yr |
| $99 Companion Fare (plus taxes and fees from $23)yearSource ↗ | $99/yr |
| Total credits / year we count | $199 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
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.
Wondering if this card pays off for your situation? Is the Atmos™ Rewards Ascent Visa Signature® worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- British Airways Visa Signature® Credit Card$1,249 (+$832)
- Iberia Visa Signature® Credit Card$1,245 (+$827)
- Marriott Bonvoy Boundless® Credit Card$1,149 (+$731)