Atmos Rewards Visa Business
$95/year, earning Atmos Rewards Points, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The Atmos Rewards Visa Business is a $95/year card from Bank of America earning Atmos Rewards Points. It earns 3x on hawaiian airlines, 2x on gas, 2x on ev charging and 3x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Bank of America advertises. We do not convert them into a percentage return, because that requires putting a price on Atmos Rewards Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Airline(Alaska) | 3x | Everything else |
| Hawaiian Airlines | 3x | |
| Gas | 2x | |
| EV Charging | 2x | |
| Transit | 2x | |
| Shipping | 2x | |
| Other | 1x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Companion FareEach year, receive a companion fare from $99 (plus taxes and fees from $23) when you purchase an Alaska Airlines or Hawaiian Airlines flight. Requires $6,000 annual spend. Companion must be booked on the same reservation. | Once a year | ~$250 |
| Alaska Lounge+ Membership DiscountReceive $100 off an Alaska Lounge+ annual membership fee (regular price $550, reduced to $450 with this card). | Once a year | ~$100 |
Status and included memberships
- 20% In-flight Savings — Save 20% on food, beverages, and WiFi purchases on Alaska Airlines and Hawaiian Airlines flights when you pay with your card.
- Priority Boarding — Board in Group 2 on Alaska Airlines flights, allowing you to find overhead bin space and settle in before most other passengers. Includes up to 6 companions on the same reservation.
- Free First Checked Bag — You and up to 6 passengers on the same reservation receive your first checked bag free on Alaska Airlines and Hawaiian Airlines flights. Savings of up to $35-40 per person each way.
- Elite Status Points Earning — Earn 1 Atmos Rewards status point per $3 spent on the card, helping you qualify for elite status faster. Capped at 30,000 status points for 2025; no cap starting 2026.
Questions people ask about the Atmos Rewards Visa Business
What is the annual fee on the Atmos Rewards Visa Business?
The Atmos Rewards Visa Business has a $95 annual fee.
What does the Atmos Rewards Visa Business earn?
3x on airline(alaska), 3x on hawaiian airlines, 2x on gas, 2x on ev charging, and 3x on everything else, in Atmos Rewards Points.
Does the Atmos Rewards Visa Business charge foreign transaction fees?
No — the Atmos Rewards Visa Business has no foreign transaction fee.
Other Bank of America cards
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