Atmos™ Rewards Visa® Business
The Atmos™ Rewards Visa® Business from Bank of America earns up to 3.6% effective value on gas in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Get 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $5,000 or more in purchases within the first 90 days of opening your account.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Gas
- Effective value
- 3.6%
- Annual fee
- $95
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Atmos™ Rewards Visa Business earn in each category?
Gas is the strongest category at 3.6% effective value (2x miles at about 1.8 cents each). That gas rate ranks higher than about 85% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 3.6% effective value (2x miles at about 1.8 cents each). That gas rate ranks higher than about 85% of the 1,551 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.8% |
| Grocery Supermarkets and grocery stores | 1x miles | 1.8% |
| Gas Gas stations and fuel | 2x miles | 3.6% Top category |
| Travel Flights, hotels, transit | 2x miles | 3.6% |
| Other General everyday spend | 1x miles | 1.8% |
Madeen values Alaska Airlines Atmos Rewards at about 1.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Atmos™ Rewards Visa Business reward caps and conditions?
The Atmos™ Rewards Visa Business has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 2 points per $1 spent on gas and EV charging station purchases.
- Earn 2 points per $1 spent on local transit purchases.
Who should get the Atmos™ Rewards Visa Business?
The Atmos™ Rewards Visa Business fits spenders who put meaningful volume in gas and can earn 2x miles. Best for spenders who put meaningful volume in gas and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Atmos™ Rewards Visa Business fits spenders who put meaningful volume in gas and can earn 2x miles. Madeen ranks its gas effective rate higher than about 85% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for gas spend if you need a business card and can use Alaska Airlines Atmos Rewards the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is gas at about 3.6% effective (2x miles).
- That gas rate ranks higher than about 85% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Alaska Airlines Atmos Rewards value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
Does the Atmos™ Rewards Visa Business have an annual fee, and what's the welcome bonus?
The Atmos™ Rewards Visa Business has an annual fee of $95 and a foreign transaction fee of None. New applicants may see: Get 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $5,000 or more in purchases within the first 90 days of opening your account.. Confirm current issuer terms before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
- Signup bonus
- Get 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $5,000 or more in purchases within the first 90 days of opening your account.
What travel perks does the Atmos™ Rewards Visa Business include?
The Atmos™ Rewards Visa Business includes Free checked bag, $100 off Lounge+ membership, 10% rewards bonus, 20% back onboard in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Free checked bagFree checked bags for you and up to 6 guests on the same reservation when airfare is purchased with your card.
What benefits come with the Atmos™ Rewards Visa Business?
- $100 off Lounge+ membership
Pay for your annual Alaska Lounge+ Membership with your card and get $100 off.
- 10% rewards bonus
Get a 10% rewards bonus on all points earned if you have an eligible Bank of America® account.
- 20% back onboard
Get 20% back when you use your card to pay for Wi-Fi, drinks and other extras on Alaska Airlines and Hawaiian Airlines.
- A faster path to status
Earn 1 status point for every $3 on spent eligible purchases—up to 30,000 status points
- Annual $99 Companion Fare
Celebrate your account anniversary and receive a $99 Companion Fare (plus taxes and fees from $23) on Alaska Airlines or Hawaiian Airlines-operated flights within North America, including Hawaii, after you spend at least $6,000 on purchases with your card each year.
- Auto Rental Collision Damage WaiverIncluded with Visa Signature®
Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Free checked bag
For you and up to 6 guests on the same reservation when airfare is purchased with your card.
Common questions about the Atmos™ Rewards Visa Business
Does the Atmos™ Rewards Visa Business have an annual fee?
The Atmos™ Rewards Visa Business carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Atmos™ Rewards Visa Business?
Gas is the strongest Madeen category for the Atmos™ Rewards Visa Business at about 3.6% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Atmos™ Rewards Visa Business charge foreign transaction fees?
The Atmos™ Rewards Visa Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Atmos™ Rewards Visa Business welcome bonus?
The Atmos™ Rewards Visa Business welcome offer in our snapshot: Get 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $5,000 or more in purchases within the first 90 days of opening your account.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Atmos™ Rewards Visa Business annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in gas and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Atmos™ Rewards Visa Business?
Madeen's catalog lists a typical credit range of Good to Excellent for the Atmos™ Rewards Visa Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Atmos™ Rewards Visa Business compare to similar cards?
Compare the Atmos™ Rewards Visa Business against Atmos Rewards™ Ascent Visa Signature (3.6% on Gas, $95 fee); Alaska Airlines Business (3.6% on Gas, $75 fee); Alaska Airlines Visa Signature (3.6% on Gas, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Atmos™ Rewards Visa Business This card | Gas | 3.6% | $95 |
Bank of America | Gas | 3.6% | $95 |
Bank of America | Gas | 3.6% | $75 |
Bank of America | Gas | 3.6% | $95 |
Bank of America | Gas | 3% | $0 |
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