Pros & Cons

Pros

  • +Welcome Bonus: 80,000 points
  • +Up to 3x at restaurants
  • +No foreign transaction fees

Cons

  • High annual fee ($395/yr)
  • No lounge access
  • No purchase protection

Rewards

All Spending

1x

Atmos Rewards pts per dollar

Restaurants

3x

Atmos Rewards pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries1x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants3x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

37,200

Atmos Rewards/yr

Estimated Value

$372

After Fees

$-23

1st Year Value

$777

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 3x10,800 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.24x
Total points earned37,200 pts
Value of points accumulated in the first year$372

Fees and interest rates

  • Annual Fee
    $395
  • Foreign currency conversion fee
    0%

Terms & Conditions

Card Features

  • Limited-time online offer: 80,000 bonus points!
  • Earn 80,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $4,000 or more on purchases within the first 90 days of opening your account.
  • Each account anniversary, get a 25,000-point Global Companion Award for a travel companion on the same itinerary, when booking travel using your Atmos™ Rewards points.
  • Additionally, receive a 100,000-point Global Companion Award annually after spending $60,000 or more on purchases each anniversary year.
  • Receive 8 Alaska lounge passes each year (2 per calendar quarter)
  • Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point per $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
  • Fastest path to status: get 10,000 status points every year on your account anniversary and earn 1 status point for every $2 spent on purchases.
  • Free checked bag on Alaska Airlines and Hawaiian Airlines and enjoy preferred boarding on Alaska Airlines, for you and up to 6 guests on the same reservation, when you pay for your flight with your card.
  • Up to $120 Airport Security Credit every four years in connection with the TSA PreCheck® or Global Entry trusted traveler programs.
  • Receive a $50 voucher for Alaska Airlines flight cancellations or departure delays of 2 hours+, and pay no change fee when you need to make a same-day change to your Alaska Airlines flight plans.
  • Plus, no foreign transaction fees and a competitive $395 annual fee.
  • This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

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