The Atmos Rewards Visa Signature Business Card is a Bank of America business credit card designed for businesses that frequently fly with Alaska Airlines or Hawaiian Airlines.
Its key benefits include 3X Points on Alaska Airlines and Hawaiian Airlines purchases, a US$99 Companion Fare, free checked bags, Preferred Boarding, and Status Points from business spending.
👉 Atmos Rewards Visa Signature Business Card – Apply Now
Benefits Overview
| Benefit | Details |
|---|---|
| Annual Fee | US$70 + US$25 per card |
| Alaska Airlines / Hawaiian Airlines | 3X Points |
| Gas Stations | 2X Points |
| EV Charging | 2X Points |
| Shipping | 2X Points |
| Local Transit / Rideshare | 2X Points |
| Other Purchases | 1X Point |
| Status Points | US$3 spent = 1 Status Point, with no annual cap |
| Annual Companion Fare | Spend US$6,000 per Card Anniversary Year → US$99 Companion Fare + taxes and fees from US$23 |
| Free Checked Bag | Available on eligible Alaska Airlines / Hawaiian Airlines flights |
| Preferred Boarding | Available on eligible Alaska Airlines / Hawaiian Airlines flights |
| Alaska Lounge+ Membership | US$100 discount on an annual membership |
| Inflight Purchases | 20% back on eligible Alaska Airlines / Hawaiian Airlines inflight purchases |
| BofA Relationship Bonus | Eligible Bank of America Small Business account → 10% bonus on Points earned from card purchases |
| Foreign Transaction Fee | 0% |
Annual Companion Fare
Spend at least US$6,000 during a Card Anniversary Year and receive:
US$99 Companion Fare + taxes and fees from US$23
For businesses that regularly use Alaska Airlines or Hawaiian Airlines, the Companion Fare is one of the card’s most valuable ongoing benefits.
Earn Atmos Rewards Status Points
Eligible purchases made with the Business Card also earn Atmos Rewards Status Points:
US$3 spent = 1 Status Point, with no annual cap.
By comparison, the Summit Card earns 1 Status Point per US$2 spent and provides an additional 10,000 Status Points each account anniversary, making Summit more efficient for earning Atmos Rewards Elite Status through card spending.
Business Spending Categories
In addition to earning 3X Points on eligible Alaska Airlines and Hawaiian Airlines purchases, the Business Card earns 2X Points on several common business expenses:
Gas Stations, EV Charging, Shipping, and Local Transit / Rideshare.
Businesses with an eligible Bank of America Small Business account can also receive a 10% bonus on Points earned from card purchases.
Bottom Line
The Atmos Rewards Visa Signature Business Card combines:
Alaska / Hawaiian 3X + Business 2X Categories + Status Points + Companion Fare + Free Checked Bag
It is a practical Atmos Rewards card for businesses with regular Alaska Airlines or Hawaiian Airlines travel and business spending.
Historical Welcome Offers
| Period | Welcome Offer | Spending Requirement |
|---|---|---|
| Sep 2026–Present | 70K Points + US$99 Companion Fare | Spend US$4,000 within 90 days |
| 2026 | 60K Points + US$99 Companion Fare | Spend US$4,000 |
👉 Atmos Rewards Visa Signature Business Card – Apply Now
Atmos Rewards Credit Cards Comparison
| Credit Card | Annual Fee | Key Benefits | Foreign Transaction Fee |
| Atmos Rewards Summit Visa Infinite Card | US$395 | 25K Global Companion Award, 8 Alaska Lounge Passes, 10K annual Status Points, US$2 = 1 Status Point | 0% |
| Atmos Rewards Ascent Visa Signature Card | US$95 | Companion Fare, free checked bag, Preferred Boarding, 3X Alaska / Hawaiian | 0% |
| Atmos Rewards Visa Signature Business Card | US$70 + US$25 per card | Companion Fare, free checked bag, Preferred Boarding, 3X Alaska / Hawaiian | 0% |
Bank of America Application Rules
Bank of America considers your credit history, recent new accounts, and existing banking relationship when reviewing credit card applications.
| Rule | Description |
| 2/3/4 Rule | Commonly reported limit of approximately 2 BofA cards in 2 months, 3 in 12 months, and 4 in 24 months |
| 3/12 Rule | Applicants without a strong BofA banking relationship may face stricter approval when they have opened 3 or more cards within the past 12 months |
| 7/12 Rule | Customers with an established Bank of America banking relationship may sometimes have more flexibility, commonly referred to as 7/12 |
| U.S. Credit History | BofA generally favors applicants with an established U.S. credit profile and banking relationship |
These are commonly reported application patterns rather than officially published approval guarantees. Actual approval decisions are determined by Bank of America.
For newcomers to the U.S. credit card market, Bank of America is generally not my first choice for establishing an initial U.S. credit history.
Can Foreigners Apply for Bank of America Credit Cards?
Yes, but establishing a U.S. credit history first can significantly improve the application path.
Foreign applicants generally need appropriate U.S. identification or tax information accepted by Bank of America, along with sufficient U.S. credit history. Having an ITIN alone does not guarantee approval.
For someone starting without a U.S. credit history, one practical route is:
Home-country Amex → Amex Global Card Relationship → U.S. Amex → Build U.S. Credit History → Bank of America
American Express Global Card Relationship may allow eligible existing Amex Card Members in supported countries to use their relationship with Amex when applying for a U.S. American Express Card.
After obtaining a U.S. Amex card and building credit history through responsible use, applying for a Bank of America Atmos Rewards Card may become more practical.
Having a Bank of America checking or savings account and establishing a banking relationship may also help with future BofA credit card applications.
AME Suggested Path:
Overseas Amex → U.S. Amex → Build Credit History → BofA Atmos Rewards
