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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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Why I’m considering applying for the Atmos Business Card
Featured image by DON WILSON/PORT OF SEATTLE/SEA AIRPORT
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Quick summary
A business travel card is highlighted for its strong fit with companies that frequently book flights on select West Coast and international airlines.
Key benefits include waived checked bag fees, companion fares and practical travel perks that can offset costs for both solo travelers and groups.
The card is noted for its relatively modest annual fee and affordable employee card options, making it accessible for growing businesses.
Points earned are valued highly per TPG's July 2026 valuations, and spending can help cardholders progress toward airline elite status.
What to consider
A welcome offer is available after meeting a $4,000 spend within 90 days, including bonus points and a companion fare (plus taxes and fees from $23).
Companion fares can be earned both as part of the welcome offer and annually after a $6,000 spend in the prior year, usable on eligible flights within North America.
Additional perks include discounts on lounge memberships and 20% back on eligible in-flight purchases.
What you'll miss from the article
A detailed breakdown of how this business card's features and rewards align with specific business spending patterns and travel needs.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
As my business grows, I’ve been trying to find a way to streamline my expenses and the rewards I earn with a credit card. Rather than juggling multiple cards, I want one or two that match how my business actually spends money while also helping me earn rewards I know I'll use.
Alaska Airlines has a massive presence in the Pacific Northwest and a rapidly expanding international route map, and I often find myself on one of their planes. With benefits such as waived checked bag fees, companion passes and extra rewards where it matters most for me, this card has been on my radar now for a while.
Since Atmos Rewards points are among the most valuable airline currencies according to TPG's July 2026 valuations, earning more of them has become increasingly attractive.
Here's why I'm seriously considering adding it to my wallet.
A relatively low cost of entry
One of the first things I consider when choosing a new credit card is its annual fee.
The Atmos Business Card costs just $70 per year, while additional employee cards are only $25 each.
That's one of the more affordable business travel cards on the market that earns travel rewards, especially when you compare it to many other premium business cards with annual fees anywhere from $95 to nearly $900 annually.
Alaska Airlines aircraft at San Diego International Airport (SAN). KEVIN CARTER/GETTY IMAGES
In fact, it's inexpensive enough that I don't feel pressured to squeeze every possible benefit out of it just to justify keeping it, which makes it more appealing right away.
And for businesses with multiple employees who need their own cards, those $25 employee cards make it an affordable way to keep spending centralized while still earning rewards on purchases made across the company.
The card’s welcome offer is another criterion that usually gets my attention.
New applicants for the Atmos Business Card can earn 70,000 bonus points plus a $99 companion fare (plus taxes and fees that start at $23) after spending $4,000 on purchases in the first 90 days from account opening.
For many businesses, including mine, spending $4,000 over 90 days isn't an intimidating hurdle. Between software subscriptions, travel expenses, advertising and recurring bills, I'd naturally reach that threshold without changing how I operate.
VGAJIC/GETTY IMAGES
A 70,000-point welcome bonus is substantial on its own, but pairing it with a companion fare makes the first-year value considerably stronger.
Speaking of companion fares, this is one of the most compelling perks of the card, in my view.
Many airline companion certificates require substantial spending before you earn them. This makes them much less useful, or even reachable, for smaller businesses.
I can earn one companion fare as part of the current welcome offer (after spending $4,000 on purchases within the first 90 days of account opening). Additionally, every account anniversary, I can receive an additional companion fare after spending just $6,000 during the prior anniversary year.
ALASKA AIRLINES
These companion fares allow you to purchase your own ticket and pay just $99 plus taxes and fees (start at just $23) for your travel companion on eligible Alaska Airlines and Hawaiian Airlines-operated flights throughout North America, including flights to Hawaii.
This is a no-brainer for me, as most of the travels I do are with my spouse-turned-business partner. The value we’d get from these companion fares is significantly more than the annual fee costs.
3 Atmos Rewards points per dollar on eligible Alaska Airlines and Hawaiian Airlines purchases, including airfare and inflight purchases
2 points per dollar on eligible gas stations, EV charging, shipping, and local transit, including rideshare services
1 point per dollar on all other purchases
An Alaska Airlines plane takes off as a Hawaiian Airlines jet taxis at San Francisco International Airport (SFO). ANDALOU/GETTY IMAGES
Shipping expenses, transportation, and business travel are recurring costs for my business, making it fairly easy to earn above the standard one point per dollar on at least some non-negligible operating spend.
While there are certainly cards with higher multipliers for earning in specific categories, these bonus categories cover a surprising amount of everyday spending.
My business could help me earn Atmos Rewards elite status
Another feature I appreciate is that card spending helps you work toward Atmos Rewards status every year.
The card awards 1 status point for every $3 spent on purchases.
Since much of my business spending falls outside traditional bonus categories, I appreciate that those purchases could still help me work toward airline status.
SEAN CUDAHY/THE POINTS GUY
Rather than having to choose between earning my rewards and progressing toward my airline status, this card would allow me to accomplish both simultaneously, helping me get those upgrades to business or first class every now and then, among other status perks.
Beyond earning points, the card also includes several practical travel perks that can save me both money and time. Cardholders and up to six guests traveling on the same reservation receive a free checked bag and preferred boarding on eligible Alaska Airlines flights when airfare is purchased with the card.
For employees or groups traveling together, baggage fees can add up surprisingly quickly. Alaska charges $45 for your first checked bag on flights within North America, so even a single round-trip paid with this card could easily offset a significant portion of the annual fee.
Preferred boarding may sound like a minor convenience, but as someone who usually travels with a carry-on, I know it often means the difference between finding that coveted overhead bin space and having to gate-check my bag.
If you're already an Alaska Lounge regular, there's another nice perk. When you use the card to pay for an annual Alaska Lounge+ membership, you can receive $100 off the cost of your membership.
Lounge memberships aren't for everyone, but for travelers who frequently fly through Alaska Airlines hubs, that discount is another way the card delivers ongoing value.
There's a benefit that frequent flyers will probably use more often than they expect.
Whenever you use your Atmos Business Card to purchase Wi-Fi, food, beverages, or other eligible onboard extras during Alaska Airlines or Hawaiian Airlines flights, you'll receive 20% back.
These small statement credits have a way of quietly adding up over dozens of flights each year if your business keeps you on the road as mine does.
My Bank of America relationship makes it even better
One thing that makes this card especially appealing is that I already have a business relationship with Bank of America.
That means I'd receive a 10% bonus on the rewards I earn from my business spending without changing anything about how I use the card.
It's the type of benefit that's easy to overlook because it doesn't require any extra effort, but over the course of a year, it could quietly add thousands of additional Atmos Rewards points.
I haven't applied for the Atmos Business Card yet, but it's one of the few business cards I've seriously considered adding this year.
For my own business, the biggest selling points are the ability to leverage everyday expenses into meaningful airline rewards and the ongoing ability to earn the companion fare benefit. When paired with my existing Bank of America relationship and the additional 10% rewards bonus, the overall value proposition becomes even stronger.
As always, the right business credit card depends on your spending habits and travel patterns. But if your business regularly books Alaska Airlines or Hawaiian Airlines flights, this is one card that's well worth a closer look.
