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.
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 $1,440 in combined sign-up and referral bonuses.
See all Bank of America offers →
Qualifying Period
120 days after account opening
Requirements
- ✓$4,500 in purchases within first 120 days
- ✓$4,500 minimum spend in 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 eligible if you currently have or have had this card in the preceding 24 months
- ⚠Limited-time offer
- ⚠One-time promotion
- ⚠New customers only
- ⚠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) 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
- Includes $99 Companion Fare (plus taxes and fees from $23)
- 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
- Also includes $99 Companion Fare (plus taxes and fees from $23) valid on Alaska Airlines and Hawaiian Airlines flights within North America after each account anniversary when you spend $6,000+ in prior anniversary year
- This is a limited-time promotional offer available through various channels
- One-time promotion limited to customers opening a new account
- Bonus includes $99 Companion Fare (plus taxes and fees from $23)
- 50% flight discount code for a qualifying future flight after opening account
- Bank of America customers receive 10% bonus on all points earned
- Earn 2x points on gas, cable, streaming services, local transit and ride share
- Earn 1x points on all other purchases
Total potential bonus
$1,440
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) = $1,440 total
Last updated May 31, 2026
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 after account opening
How to qualify
- $4,500 in purchases within first 120 days
- $4,500 minimum spend in first 120 days
- New account opening
- $4,500 minimum spend in first 120 days of account opening
Common pitfalls
- New cardholders only
- Not eligible if you currently have or have had this card in the preceding 24 months
- Limited-time offer
- One-time promotion
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $3,025 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 $1,440. 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 after account opening.
