Atmos™ Rewards Ascent Visa Signature® card

Best For Alaska Travelers

Credit card rewards calculator

Atmos Ascent Visa Signature Card Calculator

Enter your spending to see what the Atmos Rewards Ascent Visa Signature earns in Atmos Rewards points each year. Value the Companion Fare and free checked bags, check whether you clear the $6,000 threshold that unlocks the Companion Fare, and compare against the Summit or a Bilt pairing.

Written By: Robert Flowers III

Last Updated: August 31, 2026

Annual fee $95 annual fee

Foreign trans. fee None

Issuer Bank of America

Calculate your Atmos Visa Signature rewards

What the Atmos Visa Signature calculator works out

This is an interactive calculator for the Atmos Visa Signature. It estimates how many Alaska Atmos Rewards Points the card earns from your own spending, what those points are worth at a valuation you set, and what the card is worth across a year once benefits and the annual fee are accounted for. The figures below are the card's published rates; enter your spending to replace them with your own numbers.

Atmos Visa Signature earning rates

The calculator applies these rates to the spending you enter, dropping to the lower rate automatically once a cap is reached.

Spending category	Rate	Cap
Alaska Airlines	3X	No cap
Hawaiian Airlines	3X	No cap
Gas Station	2X	No cap
Electric Vehicle (EV) Charging Stations	2X	No cap
Cable Services	2X	No cap
Streaming Services	2X	No cap
Local Transit & Commuting	2X	No cap
Rideshares	2X	No cap
Everything Else	1X	No cap

Example: Atmos Visa Signature earnings on Alaska Airlines, Gas Station and Everything Else

Category	Monthly spend	Yearly spend	Alaska Atmos Rewards Points earned
Alaska Airlines	$200	$2,400	7,200
Gas Station	$280	$3,360	6,720
Everything Else	$1,200	$14,400	14,400

Spending at those monthly amounts across these 3 categories ($20,160 a year in total) with the Atmos Visa Signature earns about 28,320 Alaska Atmos Rewards Points a year. At a baseline of 1.50¢ per point, that's about $424.80 in value, against $95 in annual fee. You can set your own value per point in the calculator. Change the spending figures to work this out for your own budget across every category at once.

Credits and benefits you can adjust

Benefits are worth different amounts to different people, so the calculator lets you set your own value for each of these rather than assuming one:

Annual $99 Companion Fare — enter your own value. Each year on your account anniversary you receive a Companion Fare good for a round-trip or one-way coach fare starting at $122 — a $99 base fare plus taxes and fees from $23.
Free checked bags — enter your own value. You and up to six guests on the same reservation each receive a free first checked bag when you pay for the Alaska or Hawaiian flight with your card.
20% In-Flight Discount — counted automatically. Enjoy 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases when you pay with your card.
Alaska Lounge+ membership discount — enter your own value. Purchase an annual Alaska Lounge+ membership with the card and you'll receive a discount on it.
Bank of America 10% Reward Bonus — included by default, and can be excluded. Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.

How the Atmos Visa Signature result is calculated

Net annual value = (Alaska Atmos Rewards Points earned from your spending × your value per point) + the value you assign to the card's credits and benefits − the $95 annual fee.

Alaska Atmos Rewards Points start at a baseline of 1.50¢ each. That figure is a starting point, not a fixed rate — the calculator lets you replace it with your own.

Every input is adjustable: spending per category, the value of a single point, what each credit or benefit is worth to you, and whether to count the intro bonus. Up to 10 cards or multi-card wallets can be compared side by side, and each card can be set to earn a different rewards currency, including any of the 1 program Alaska Atmos Rewards Points transfer to — so a card can be valued at what its points are worth after a transfer rather than at the baseline rate.

How This Credit Card Rewards Calculator Works

This tool uses a Net Value framework to estimate what you earn minus the costs of holding the card, based on your inputs.

The formula: Net Value = ((Rewards Earned from Spend × Value per points) + Perk Value) − (Annual Fee + Foreign Transaction Fees)
If you include intro bonuses in the calculator, they're added to annual value using the same points valuation you set.
Total customization: Baseline estimates may pre-fill for convenience, but you can override values (valuations, spend, perks, and fees) to match your strategy.
Perk valuation: Benefits may default to full, partial, or zero value depending on how easy they are to use. You should adjust each perk to a "utilization value" based on what you realistically save.
Transfer modeling: For transferable rewards, conversions are modeled using standard ratios for your region. You can adjust ratios to reflect transfer bonuses or recent changes.
Verified rates: Default earning multipliers and fees are based on current issuer/program terms, then your calculator inputs determine the final result.

Full breakdown: For data sources and deeper math, see our Full Rewards Methodology.

Frequently asked questions

How should I value the Companion Fare?

Set it to what a second ticket would cost you on the route you actually fly, minus the $122 you'd pay. On a transcontinental Alaska fare that difference commonly exceeds $200, which is more than double the annual fee.

Will the Companion Fare show in my total?

Only if your modelled spending reaches $6,000 in a year. It's awarded on your anniversary based on the prior year's spending, so someone using the card lightly won't receive it.

Can I compare this against the Summit card?

Yes, and it's the comparison most people need. Add the Atmos Summit Visa Infinite in a second column. Both earn 3X on Alaska purchases, so the difference comes down to foreign spending, lounge passes and the type of companion benefit.

Can I model pairing this with a Bilt card?

Yes. Add the Bilt Palladium to the same column, set its model currency to Atmos Rewards points, and the calculator will convert its earning at 1:1 to show one combined balance.

What point value does the calculator use?

1.5 cents per Atmos Rewards point by default. You can change it. Alaska's published partner award chart means premium cabin redemptions on oneworld partners regularly clear well above that.