Atmos Rewards Business card review: Good for frequent Alaska and Hawaiian business travelers
Quick summary
Atmos Rewards Business card overview
The Atmos™ Rewards Visa Signature® Business Card is often overlooked, but it offers valuable Atmos Rewards points, a low annual fee and strong travel perks for Alaska Airlines and Hawaiian Airlines loyalists. Card rating*: ⭐⭐⭐⭐
* Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
The new Alaska-Hawaiian loyalty program, Atmos Rewards, has launched. Along with it comes a new name for this card, the rebranding of its entry-level personal card and the debut of a new premium card. Applying for one of the Atmos cards is the easiest way to earn a substantial amount of Atmos Rewards points.
Formerly known as the Alaska Airlines Visa® Business credit card (no longer available), the Atmos Rewards Business Card is the business card in the Atmos lineup.
Alaska-Hawaiian is a part of the Oneworld alliance, meaning Atmos Rewards points can be useful on more than just the airline itself. Some of the award prices to fly the airline's partners are outstanding, like business-class flights to Asia for as few as 75,000 points one-way.
TPG recommends a credit score of at least 670 to get approved for this card, which features an annual fee of $95.
Here's a closer look at this card and why you might want to consider applying for it.
The information for the Alaska Airlines Visa Business Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Atmos Rewards Business card pros and cons
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Atmos Rewards Business card welcome offer
With the Atmos Rewards Business Card, you can earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $5,000 or more on purchases within the first 90 days from account opening.
If Atmos Rewards points hold the same value as Alaska miles, this bonus is worth $1,160 in points, per TPG's August 2025 valuations, plus the value of the Companion Fare.
Maximizing the Companion Fare part of the introductory offer can save a few hundred dollars. You pay just $99 (plus the taxes and fees) for a companion who is booked on the same round-trip economy reservation as you.
Atmos Rewards Business card benefits
The Atmos Rewards Business Card comes with all the standard perks you'd expect from a cobranded airline card and a few extra benefits — all for a reasonable $95 annual fee ($70 for your company and $25 per card).
First, you and up to six guests on the same reservation will get a free checked bag on Alaska and Hawaiian flights when you pay for your flight with the card. That's savings of $70 per person for each round-trip flight.
You'll also enjoy preferred boarding when using this card to pay for your flight (available now for Alaska and this fall for Hawaiian flights).
In addition, you'll get 20% back on Alaska and Hawaiian inflight purchases (including food, beverages and Wi-Fi) and $100 off one Alaska Lounge+ membership annually.
What really makes this card shine, though, is the Companion Fare. You get one as part of the current welcome bonus and another each year after spending $6,000 or more on purchases within your anniversary year.
With the Companion Fare, you can bring a guest along on any coach fare for only $99 plus the taxes and fees (from $23). The cardholder doesn't need to be one of the travelers, but the flights must be paid for with your Atmos Rewards card. Both travelers will earn Atmos Rewards points for the flight and are eligible for upgrades, which is great if you have Atmos Rewards elite status.
Additionally, through the end of 2025, cardholders will earn 1 status point (formerly elite qualifying miles) for every $3 spent on purchases, up to 30,000 status points in total; from 2026, there is no cap.
If you travel internationally, it'll come in handy that this card charges no foreign transaction fees.
Related: How my unused Companion Fare saved a co-worker nearly $700 on summer travel
Earning points on the Atmos Rewards Business card
With the Atmos Rewards Business, you'll earn:
- 3 points per dollar spent on eligible Alaska and Hawaiian Airlines purchases
- 2 points per dollar at electric vehicle charging and gas stations, and on local transit (including ride-hailing services) and shipping purchases
- 1 point per dollar on all other eligible purchases
According to TPG's August 2025 valuations, this is a 4.4%, 2.9% and 1.5% return on spending, respectively. While the rates are fair, other cards offer stronger returns on airfare purchases and everyday spending.
In addition, if you have an eligible Bank of America small-business account, you'll enjoy a 10% bonus on all points earned, boosting your effective earning rates on these purchases higher.
Related: Airline baggage fees: How much it costs to check a bag on major US airlines
Redeeming points on the Atmos Rewards Business card
For most flights on Alaska and Hawaiian, you'll pay between 4,500 and 17,500 points each way in economy. But while redemptions for domestic flights can provide good value, maximum value comes from booking premium international flights with partners.
With Cathay Pacific, you can fly from the U.S. to Asia in business class for only 75,000 points each way, and you can add a free stopover in Hong Kong on that ticket.
There are also plenty of ways to use Atmos Rewards points to book some of the most difficult awards to find: premium cabin flights to Australia or New Zealand. You can fly nonstop on American Airlines or Qantas or route through Asia with another partner. You could even book Fiji Airways business class from 75,000 miles one-way to Oceania and add a free stopover in Fiji.
Finally, Singapore Airlines is among the airline's non-Oneworld alliance partners to look out for. Premium-class award availability is limited, but economy awards are widely available.
TPG credit card writer Chris Nelson likes to redeem his Atmos Rewards points on Alaska flights from the West Coast to Mexico, where he routinely gets these flights for as low as 10,000 points.
Related: How to book a trip to Sydney with points and miles
Which cards compete with the Atmos Rewards Business card?
When it comes to travel cards not specific to Alaska-Hawaiian that help you maximize your business spending, there are some better options:
- If you spend a lot in certain categories: Consider the American Express® Business Gold Card, which earns 4 Membership Rewards points per dollar on your two highest spending categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar). For more information, read our full review of the Amex Business Gold.
- If you spend a lot on everything: A card like the Ink Business Unlimited® Credit Card (see rates and fees) might make more sense. You'll earn 1.5% back on all purchases in the form of Chase Ultimate Rewards points, which are significantly more valuable if you also have a premium Ultimate Rewards card. If you do, you'll be able to access transfer partners. For more information, read our full review of the Ink Business Unlimited.
- If you want simple rewards: The Capital One Venture X Business earns a flat 2 miles per dollar on most purchases, with boosted rates when booking through the Capital One's travel portal. This card also comes with extensive lounge access and an annual travel credit to help offset the $395 annual fee. For more information, read our full review of the Capital One Venture X Business.
For additional options, check out our full list of the best business cards.
Related: The power of the Chase Trifecta: Maximize your earnings with 3 cards
Is the Atmos Rewards Business card worth it?
The Atmos Rewards Business Card has a low annual fee and lucrative ongoing perks. It's a card that makes sense if you fly a lot with Alaska or Hawaiian and can take advantage of their loyalty program. For most people, it's a card that's easy to justify keeping long-term, but only if you take advantage of the Companion Fare each year.
Bottom line
The Atmos Rewards Business Card is a smart choice for business owners who regularly fly Alaska or Hawaiian Airlines. With a low annual fee, a valuable annual Companion Fare and solid travel perks, it's a card that can easily pay for itself year after year.
However, if your goal is maximizing rewards on everyday business spending, other cards with broader bonus categories will likely serve you better.
Apply here: Atmos Rewards Business Card