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 Miles + 5,000 miles
Apply to Bank of America Atmos Ascent Bonus and earn up to $900 in combined sign-up and referral bonuses.
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Qualifying Period
120 days of account opening
Requirements
- ✓$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
- ⚠Not available if you currently have or have had this card in the preceding 24 months
- ⚠New customers only
- ⚠Not eligible if you currently have or have had this card in the preceding 24 months
- ⚠New cardholders only
- ⚠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
- Includes $99 Companion Fare (plus taxes and fees from $23)
- 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
- 2 points per dollar on gas, EV charging, cable, streaming services, local transit including ride-share
- Free checked bag benefit for cardholder and up to 6 companions
- Priority boarding on Alaska and Hawaiian flights
- Earn 3x points on Alaska Airlines and Hawaiian Airlines purchases
- Earn 2x points on gas, EV charging, cable, streaming, and local transit
- Earn 10% bonus on all points if you have an eligible Bank of America account
Total potential bonus
$900
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 miles (sign-up) + 10,000 miles (referral) = $900 total
Last updated July 27, 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 of account opening
How to qualify
- $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
Common pitfalls
- Not available if you currently have or have had this card in the preceding 24 months
- New customers only
- Not eligible if you currently have or have had this card in the preceding 24 months
- New cardholders only
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $1,500 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include 85,000 miles sign-up bonus, 5,000 miles referral share for a total displayed potential of $900. 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.
How long do I have to qualify for Bank of America Atmos Ascent Bonus?
The qualifying period listed for Bank of America Atmos Ascent Bonus is 120 days of account opening.
