The Atmos Rewards Ascent Business Visa is the business version of the Ascent card, issued by Bank of America for small business owners who fly Alaska Airlines and Hawaiian Airlines. At $95 per year ($70 account fee + $25 per card), it mirrors most of the personal Ascent's benefits while adding a business-relevant bonus category: shipping.

The value proposition is nearly identical to its personal sibling — a $99 Companion Fare, free checked bags, 3X on Alaska/Hawaiian, and 2X on gas, transit, and shipping. If you run a business that ships products and flies Alaska/Hawaiian for work, this card earns its keep quickly. And since it's a business card, the spending won't affect your personal credit utilization.

One important note: the business card's 2X categories swap out streaming/cable for shipping — a sensible trade for business owners. Everything else carries over from the personal Ascent.

• $99 Companion Fare — earn a $99 companion fare (plus taxes/fees from $23) each anniversary year when you spend $6,000+ in the prior year. Valid on Alaska and Hawaiian flights in North America.
• Free first checked bag for the cardholder and up to 6 companions on the same reservation when the ticket is purchased with the card.
• 20% back on inflight purchases — food, beverages, and Wi-Fi on Alaska and Hawaiian flights.
• $100 off Alaska Lounge+ annual membership when purchased with the card.
• 3 status points per $1 spent on all purchases — no cap. Same generous status-earning rate as the personal Ascent.
• Priority boarding on Alaska and Hawaiian flights.
• Business spending separation — keep business expenses on a dedicated card for cleaner bookkeeping and tax prep.
• No foreign transaction fees

Annual Fee: $95 per year ($70 account fee + $25 per card). Additional employee cards are $25 each.

Foreign Transaction Fees: None.

The business case:

• $95 annual fee
• Minus the $99 Companion Fare (saves $200-$500+ per trip — you need $6K annual spend to unlock it)
• Minus free checked bags on business travel ($70+ per round trip)
• Minus 2X on shipping costs (a real expense for product-based businesses)

If your business flies Alaska/Hawaiian even a few times a year and ships products, the card pays for itself almost immediately. The $25 per employee card fee is also reasonable for businesses that want to consolidate spending and earn points across the team.

Current offer: Earn 70,000 bonus Atmos Rewards points plus a $99 Companion Fare (plus taxes/fees from $23) after spending $4,000 in the first 90 days.

The same generous bonus as the personal Ascent — 70K points worth roughly $1,050 in flights at 1.5 cents per point, plus the companion fare. For a $95 business card, this is an outstanding welcome offer.

Business owners can often hit the $4,000 threshold faster than personal cardholders since business expenses (supplies, shipping, services) add up quickly. This shouldn't require any manufactured spending.

3X points per $1 on:

• Alaska Airlines and Hawaiian Airlines purchases

2X points per $1 on:

• Gas stations and EV charging
• Local transit (ride-hailing, trains, tolls, ferries)
• Shipping purchases

1X point per $1 on all other purchases.

Bank of America bonus: Eligible BofA business checking account holders get a 10% boost on all card earnings.

Status points: 3 status points per $1 spent on all purchases — no cap.

The key difference from the personal Ascent: shipping replaces streaming/cable in the 2X categories. This is a smart swap for businesses — if you're shipping products via UPS, FedEx, or USPS, those 2X points add up fast. Office supplies, software, and other business expenses earn the base 1X rate.

Points earned on the Business card go into the same Atmos Rewards account and redeem identically to points from the personal cards.

• Best value: Partner premium cabin flights — Oneworld business and first class on Cathay Pacific, Japan Airlines, Qantas, etc. can deliver 3-5+ cents per point.
• Good value: Alaska/Hawaiian domestic awards at 1.5-2 cents per point.
• Companion Fare: The annual $99 companion fare works on Alaska and Hawaiian flights in North America.

For business travelers, the ability to earn points through business expenses and redeem for personal or business travel on Alaska's extensive partner network is a major advantage. Points pool with any personal Atmos card earnings, so you can combine household and business earning into one stash.

• $99 Companion Fare annually (after $6K spend) — valid on Alaska and Hawaiian within North America.
• Free first checked bag for cardholder + up to 6 guests on the same booking.
• Priority boarding on Alaska and Hawaiian.
• 20% back on inflight purchases — food, beverages, Wi-Fi.
• $100 off Alaska Lounge+ annual membership
• No foreign transaction fees — useful for international business travel or overseas vendors.
• Visa business card protections: Purchase protection, extended warranty, auto rental coverage.

The perks mirror the personal Ascent almost exactly. No lounge passes (that's a Summit perk), but every other core travel benefit is present. For business travelers making regular Alaska/Hawaiian trips, the checked bag and companion fare savings stack up quickly across multiple trips per year.

Business airline cards at comparable price points:

The Atmos Business card can't match the Chase Ink Preferred's flexibility or the Venture X Business's premium perks, but neither of those offers a companion fare. If Alaska/Hawaiian is your airline and you want a dead-simple $95 card that delivers a companion fare and airline perks, this fills a niche no flexible-points card can.

• Small business owners who fly Alaska/Hawaiian for work — the companion fare, checked bags, and priority boarding make business travel cheaper and smoother.
• E-commerce and product businesses that ship frequently — 2X on shipping is a category most business cards ignore.
• Businesses wanting to separate spending while still earning airline points for personal or business travel.
• Solopreneurs and freelancers who want a low-fee business card with outsized travel rewards.
• Existing Atmos personal cardholders who want to pool business and personal earning into one Atmos Rewards account.

Skip this card if your business doesn't fly Alaska/Hawaiian, if you need broader bonus categories (get the Ink Preferred), or if you want premium lounge access (look at the Venture X Business or Amex Business Platinum).