What makes this credit card offer different
This credit card offer is a points-or-miles bonus, so the real value depends on how you redeem the rewards rather than only the headline count.
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Credit Card
Bank of America Atmos Ascent Bonus — Up to 85,000 Points + 5,000 miles
Apply to Bank of America Atmos Ascent Bonus and earn up to $1,260 in combined sign-up and referral bonuses.
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Qualifying Period
120 days
Payout
After spending requirement met
Requirements
- ✓Spend $4,000 or more on purchases within first 120 days
- ✓Spend $4,000 or more on purchases within the first 120 days of account opening
- ✓$4,500 minimum spend in first 120 days
- ✓$4,500 in purchases within 120 days of account opening
- ✓Spend $4,000-$5,000 on purchases within first 90-120 days
- ✓$4,500 in purchases within first 120 days
- ✓New account opening
- ✓$4,500 minimum spend in first 120 days of account opening
- ✓$4,500 minimum spend within 120 days of account opening
- ✓Spend $4,000-$4,500 in purchases within first 120 days of account opening
- ✓$4,000 minimum spend within 120 days of opening
Restrictions
- ⚠New cardholders only
- ⚠Not available if you have had the card in preceding 24 months
- ⚠New customers only
- ⚠Must not have had this card in the preceding 24 months
- ⚠Not available if you currently have or have had this card in the preceding 24 months
- ⚠Not eligible if you currently have or have had this card in the preceding 24 months
- ⚠Limited-time offer
- ⚠One-time promotion
- ⚠Not available if you currently have or have had the card in the preceding 24 months
- ⚠Limited time offer
- ⚠Not available if you have had this card in the preceding 24 months
- ⚠Not available if you currently have or had this card in the preceding 24 months
Fees
- $95 annual fee
- Bonus includes $99 Companion Fare (plus taxes and fees from $23)
- Also includes 50% flight discount code for qualifying future flight
- Earn unlimited 3 points per $1 on Alaska/Hawaiian Airlines purchases
- Earn 10% rewards bonus on all miles earned from card purchases with eligible Bank of America account
- Includes $99 Companion Fare (plus taxes and fees from $23)
- 50% flight discount code for a qualifying future flight
- Annual $99 Companion Fare after spending $6,000 in prior anniversary year
- 50% flight discount code for qualifying future flight
- 10% rewards bonus on all points earned if eligible Bank of America account holder
- Bonus includes $99 Companion Fare (plus taxes and fees from $23) for first year
- Earn 3x points on eligible Alaska Airlines and Hawaiian Airlines purchases
- Earn 2x points on eligible gas, EV charging, cable, streaming services, and local transit including rideshare
- 10% bonus on points earned from card purchases with eligible Bank of America account
- Free checked bag and priority boarding on Alaska Airlines and Hawaiian Airlines flights
- 10% bonus on points earned from purchases available with eligible Bank of America account
- Offer may not be available online if you leave the page or visit a financial center
- Includes $99 Companion Fare (plus taxes and fees from $23) valid on Alaska Airlines and Hawaiian Airlines flights within North America
- Offer available via targeted application link; public offer may be lower
- Must not have opened or closed this card in preceding 24 months to be eligible
- $99 Companion Fare (plus taxes and fees from $23) earned annually after $6,000 spend in prior year
- No foreign transaction fees
- 10% bonus on points if eligible Bank of America account held
- Includes $99 Companion Fare (plus taxes and fees from $23) after first account anniversary when $6,000 is spent in the prior anniversary year
- Earn 10% bonus on all points earned from card purchases if you have an eligible Bank of America account
- 3 points per dollar on eligible Alaska Airlines and Hawaiian Airlines purchases
Total potential bonus
$1,260
Additional Referral Bonus (how it works)
5,000 miles
Your 50% share of 10,000 miles paid directly by the referrer
View Referral Terms →85,000 points (sign-up) + 10,000 miles (referral) = $1,260 total
Last updated September 10, 2026
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How to evaluate Bank of America Atmos Ascent Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- 120 days
- Payout timeline
- After spending requirement met
How to qualify
- Spend $4,000 or more on purchases within first 120 days
- Spend $4,000 or more on purchases within the first 120 days of account opening
- $4,500 minimum spend in first 120 days
- $4,500 in purchases within 120 days of account opening
Common pitfalls
- New cardholders only
- Not available if you have had the card in preceding 24 months
- New customers only
- Must not have had this card in the preceding 24 months
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,750 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include 85,000 points sign-up bonus, 5,000 miles referral share for a total displayed potential of $1,260. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
Can Bank of America Atmos Ascent Bonus stack with a referral?
Credolix tracks a referral path for this offer. The displayed user share is 5,000 miles based on 50% of the listed referral payout.
