Atmos™ Rewards Visa Signature^® Business Card Review [2025]: Earn and Redeem Rewards With Alaska and Hawaiian Airlines

Card basics

Once known as the Alaska Airlines The Atmos™ Rewards Visa Signature^® Business Card is a simple business credit card that allows business owners to earn points tthat can be redeemed for travel. I like the easy-to-understand categories and the extra perks, like one free checked bag per guest on your reservation for up to six guests. At a value of $70 per person roundtrip, it takes only one trip with two people to make up the annual fee and the cost of one card.

Most small business owners can easily earn the welcome bonus of 80,000 bonus miles as it requires only $5,000 spent in the first 90 days, which is easy for most business owners. 

Cardholders can also earn an additional Companion Fare™ ticket annually on your card's anniversary, as long as you spend $6,000 in the previous year, which is fairly easy for most business owners.

Who should get the Atmos™ Rewards Visa Signature^® Business Card?

The Atmos™ Rewards Visa Signature^® Business Card makes the most sense for business owners who often travel for work on the West Coast as this card offers rewards for your business purchases, which you can redeem for award flights, hotel stays, or car rentals.

Because Alaska and Hawaiian Airlines have a large presence on the West Coast, it's easier to find nonstop flights in this region of the U.S. Alaska and Hawaiian also partner with other major airlines to offer flexibility, including American Airlines. If you prefer American, you may want to consider which credit card is best for American Airlines and if you don't use Alaska, Hawaiian, or their partners often, consider one of the best airline credit cards that partner with a different airline to better suit your flying needs.

Benefits and perks

• Generous welcome offer: Limited Time Offer: Earn 80,000 bonus miles and a Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $5,000 or more in purchases within the first 90 days of opening your account.
• Earning potential: This credit card offers 3X miles on eligible Alaska Airlines and Hawaiian Airlines purchases, 2X miles on eligible gas, EV charging station, shipping, and local transit (including rideshare) purchases, and 1X miles on all other purchases.
• Annual companion fare: Receive a Companion Fare™ every year after spending $6,000 or more on purchases within the prior anniversary year. This fare is valid on Alaska Airlines and Hawaiian Airlines-operated flights within North America, including Hawaii.
• Free checked bag: You and up to six other guests on the same Alaska or Hawaiian Airlines reservation can receive a free checked bag when you pay for the flight with their card.
• Preferred boarding: Get preferred boarding on Alaska Airlines flights for any cardholder and up to six guests on the same reservation when you book using your card.
• No blackout dates: Award redemptions using points and annual Companion Fare™ tickets have no blackout dates.
• Alaska Lounge+ membership and in-flight purchases: Cardmember perks include $100 off an annual Alaska Lounge+ membership when purchased with your Atmos™ Rewards Visa Signature^® Business Card. You also get 20% back on Alaska and Hawaiian in-flight purchases when paying with your card.
• Transfer partners: You can earn and redeem points to over 1,000 destinations worldwide by transferring points to other oneworld Alliance member airlines.

Earning and redeeming Atmos points

Best ways to earn

The most efficient way to earn Atmos points with this card is to use it on any Alaska Airlines or Hawaiian Airlines purchases, but you can also earn lower rates on other purchases. Specifically, you can earn 3X miles on eligible Alaska Airlines and Hawaiian Airlines purchases, 2X miles on eligible gas, EV charging station, shipping, and local transit (including rideshare) purchases, and 1X miles on all other purchases. 

If your business requires a lot of shipping or you take advantage of local transit, you can reward yourself with Atmos points  on that spending.

While this is a co-branded card, I like that it's possible to continue earning valuable Atmos points even when you aren't spending with Alaska or Hawaiian. Of course, you'll get the most out of the card if you use it frequently on purchases with those airlines, though.

Maximizing your redemptions

The Atmos™ Rewards Visa Signature^® Business Card earns points in the Atmos Rewards program. This program offers multiple redemption options for your points, including:

• Award flights with Alaska Airlines, Hawaiian Airlines, and their partners
• Award hotel stays booked through Alaska or Hawaiian
• Car rentals booked through Alaska or Hawaiian

Like most airline credit cards, using your points for reward flights usually has the best value. For example, at the time of writing, a one-way flight from Las Vegas to Seattle on Alaska costs $94 for the Main Cabin or 7,500 points plus $6. This gives you a value of 1.2 cents per point.

However, a one-night stay at the DoubleTree by Hilton Denver currently costs $142 or 22,600 points. This gives you a value of 0.6 cents per point, so you get a much higher value from using your points on reward flights. Points values fluctuate — the actual value of your points will depend on when you search and what you choose to redeem your points for.

Atmos™ Rewards Visa Signature^® Business Card transfer partners

You can use the Atmos points earned with the Atmos™ Rewards Visa Signature^® Business Card to book flights with many of Alaska and Hawaiian's transfer partners. This allows more flexibility rather than focusing your flights on the West Coast and is a feature many of the best travel credit cards offer.

You can book most Atmos award flights, including with partner airlines, online through the Alaska Airlines or Hawaiian Airlines website, although some airlines may require you to go directly through their website or contact them by phone.

FAQs

Other cards to consider

The Atmos™ Rewards Visa Signature^® Business Card can be a great option, but it won't make sense for everyone. For other business credit card options, consider the Ink Business Preferred^® Credit Card and the American Express^® Business Gold Card.

The Chase Ink Business Preferred has a higher $95 annual fee, but its rewards and benefits help offset this cost. You can earn valuable Chase Ultimate Rewards points on common business expenses, including 3X on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

In addition, your points are worth more when you redeem them for travel through the Chase Travel℠ Portal. You can also transfer your points to more than a dozen Chase Ultimate Rewards transfer partners, like World of Hyatt and Southwest Rapid Rewards, so it offers much more flexibility than the Alaska Airlines Visa Business card.

If you want to earn Amex Membership Rewards points and gain access to Amex transfer partners like Marriott Bonvoy and Delta SkyMiles, consider the American Express Business Gold. This card has a steep $375 annual fee , but it can offer plenty of value with its earning potential and benefits.

You can earn 4X Membership Rewards Points on purchases in the two eligible categories with the most spend each month from 6 eligible categories (up to $150,000 in combined purchases each calendar year, after that 1X), 3X Membership Rewards points on flights and prepaid hotels booked at amextravel.com, and 1 point per $1 spent on other eligible purchases. However, this card's steep annual fee requires you to determine if your spending and redemptions make the annual fee worth it.

Bottom line

If your business requires you to travel frequently on the West Coast and Alaska Airlines, Hawaiian Airlines, or a oneworld® airline is your preferred airline, the Atmos™ Rewards Visa Signature^® Business Card can be a good option. Just be sure to watch the number of cards you order — they cost $25 each per year, which can add up quickly — and to ensure you meet the spending requirements to earn a free Companion Fare™ annually.

For more choices, check out our list of the best small business credit cards.

2025 award winner Best Business Credit Card for Solopreneurs

Ink Business Cash^® Credit Card

Benefits

Card Details

• Solid rewards on office supply, telecom spending, gas, and dining
• Generous welcome offer
• Intro APR on purchases
• $0 annual fee
• Valuable purchase and travel protections
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• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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Rates and fees

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Intro Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

Annual Fee

$0

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Why we like it

• If you’re a freelancer, independent contractor, or small business owner in need of a business credit card that offers valuable rewards, consider the Ink Business Cash^® Credit Card. It has no annual fee, a valuable welcome offer for new cardmembers, and rewards for common business purchases.

• You don’t even need an Employer Identification Number (EIN) to apply; sole proprietors and people who run side hustles can take advantage of this card’s benefits, too.

• With the Ink Business Cash card, you’ll earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. You’ll also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

• Apply Now