As my business grows, I’ve been trying to find a way to streamline my expenses and the rewards I earn with a credit card. Rather than juggling multiple cards, I want one or two that match how my business actually spends money while also helping me earn rewards I know I’ll use.
That’s why the Atmos™ Rewards Visa Signature® Business Card has moved onto my shortlist.
Alaska Airlines has a massive presence in the Pacific Northwest and a rapidly expanding international route map, and I often find myself on one of their planes. With benefits such as waived checked bag fees, companion passes and extra rewards where it matters most for me, this card has been on my radar now for a while.
Since Atmos Rewards points are among the most valuable airline currencies according to TPG’s July 2026 valuations, earning more of them has become increasingly attractive.
Here’s why I’m seriously considering adding it to my wallet.
A relatively low cost of entry
One of the first things I consider when choosing a new credit card is its annual fee.
The Atmos Business Card costs just $70 per year, while additional employee cards are only $25 each.
That’s one of the more affordable business travel cards on the market that earns travel rewards, especially when you compare it to many other premium business cards with annual fees anywhere from $95 to nearly $900 annually.
In fact, it’s inexpensive enough that I don’t feel pressured to squeeze every possible benefit out of it just to justify keeping it, which makes it more appealing right away.
Reward your inbox with the TPG Daily newsletter
Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts
And for businesses with multiple employees who need their own cards, those $25 employee cards make it an affordable way to keep spending centralized while still earning rewards on purchases made across the company.
Related: How to decide if a credit card’s annual fee is worth paying
An achievable welcome bonus
The card’s welcome offer is another criterion that usually gets my attention.
New applicants for the Atmos Business Card can earn 70,000 bonus points plus a $99 companion fare (plus taxes and fees that start at $23) after spending $4,000 on purchases in the first 90 days from account opening.
For many businesses, including mine, spending $4,000 over 90 days isn’t an intimidating hurdle. Between software subscriptions, travel expenses, advertising and recurring bills, I’d naturally reach that threshold without changing how I operate.
A 70,000-point welcome bonus is substantial on its own, but pairing it with a companion fare makes the first-year value considerably stronger.
There are tons of great ways to redeem this welcome bonus, but with Alaska’s growing international route network, I’m looking at using those rewards for a trip to Europe next spring.
Related: Why American Airlines flyers should pay attention to Alaska Airlines Atmos Rewards
The companion fare offers real value
Speaking of companion fares, this is one of the most compelling perks of the card, in my view.
Many airline companion certificates require substantial spending before you earn them. This makes them much less useful, or even reachable, for smaller businesses.
The Atmos Business Card takes a more practical approach.
I can earn one companion fare as part of the current welcome offer (after spending $4,000 on purchases within the first 90 days of account opening). Additionally, every account anniversary, I can receive an additional companion fare after spending just $6,000 during the prior anniversary year.
These companion fares allow you to purchase your own ticket and pay just $99 plus taxes and fees (start at just $23) for your travel companion on eligible Alaska Airlines and Hawaiian Airlines-operated flights throughout North America, including flights to Hawaii.
This is a no-brainer for me, as most of the travels I do are with my spouse-turned-business partner. The value we’d get from these companion fares is significantly more than the annual fee costs.
Related: 2-for-1 flights: The best credit cards to earn companion passes and certificates
My business spending can help me travel the world
The credit card’s point-earning structure also aligns well with how my business spends money.
With the Atmos Business Card, you’ll earn:
- 3 Atmos Rewards points per dollar on eligible Alaska Airlines and Hawaiian Airlines purchases, including airfare and inflight purchases
- 2 points per dollar on eligible gas stations, EV charging, shipping, and local transit, including rideshare services
- 1 point per dollar on all other purchases
Shipping expenses, transportation, and business travel are recurring costs for my business, making it fairly easy to earn above the standard one point per dollar on at least some non-negligible operating spend.
While there are certainly cards with higher multipliers for earning in specific categories, these bonus categories cover a surprising amount of everyday spending.
Related: How to earn Alaska Airlines Atmos Rewards points
My business could help me earn Atmos Rewards elite status
Another feature I appreciate is that card spending helps you work toward Atmos Rewards status every year.
The card awards 1 status point for every $3 spent on purchases.
Since much of my business spending falls outside traditional bonus categories, I appreciate that those purchases could still help me work toward airline status.
Rather than having to choose between earning my rewards and progressing toward my airline status, this card would allow me to accomplish both simultaneously, helping me get those upgrades to business or first class every now and then, among other status perks.
Related: Best time to apply for Atmos Rewards cards based on offer history
Travel benefits I’ll actually use
Beyond earning points, the card also includes several practical travel perks that can save me both money and time. Cardholders and up to six guests traveling on the same reservation receive a free checked bag and preferred boarding on eligible Alaska Airlines flights when airfare is purchased with the card.
For employees or groups traveling together, baggage fees can add up surprisingly quickly. Alaska charges $45 for your first checked bag on flights within North America, so even a single round-trip paid with this card could easily offset a significant portion of the annual fee.
Preferred boarding may sound like a minor convenience, but as someone who usually travels with a carry-on, I know it often means the difference between finding that coveted overhead bin space and having to gate-check my bag.
Related: 9 valuable travel perks that you can get with a credit card
Discount for Alaska Lounge members
If you’re already an Alaska Lounge regular, there’s another nice perk. When you use the card to pay for an annual Alaska Lounge+ membership, you can receive $100 off the cost of your membership.
The airline has been busy expanding and enhancing its lounge network with a new opening in Portland and an announced opening of the largest lounge in the United States slated for 2027 in Seattle.
Lounge memberships aren’t for everyone, but for travelers who frequently fly through Alaska Airlines hubs, that discount is another way the card delivers ongoing value.
Related: Why American Airlines flyers should pay attention to Alaska Airlines Atmos Rewards
Discounts while flying Alaska and Hawaiian
There’s a benefit that frequent flyers will probably use more often than they expect.
Whenever you use your Atmos Business Card to purchase Wi-Fi, food, beverages, or other eligible onboard extras during Alaska Airlines or Hawaiian Airlines flights, you’ll receive 20% back.
These small statement credits have a way of quietly adding up over dozens of flights each year if your business keeps you on the road as mine does.
My Bank of America relationship makes it even better
One thing that makes this card especially appealing is that I already have a business relationship with Bank of America.
That means I’d receive a 10% bonus on the rewards I earn from my business spending without changing anything about how I use the card.
It’s the type of benefit that’s easy to overlook because it doesn’t require any extra effort, but over the course of a year, it could quietly add thousands of additional Atmos Rewards points.
Related: 5 ways BofA Rewards can unlock more value
Bottom line
I haven’t applied for the Atmos Business Card yet, but it’s one of the few business cards I’ve seriously considered adding this year.
For my own business, the biggest selling points are the ability to leverage everyday expenses into meaningful airline rewards and the ongoing ability to earn the companion fare benefit. When paired with my existing Bank of America relationship and the additional 10% rewards bonus, the overall value proposition becomes even stronger.
As always, the right business credit card depends on your spending habits and travel patterns. But if your business regularly books Alaska Airlines or Hawaiian Airlines flights, this is one card that’s well worth a closer look.
To learn more, read our full review of the Atmos Rewards Visa Business card.
Apply here: Atmos Rewards Visa Business Card
