Name: Atmos™ Rewards Visa Signature® Business Card
Brand: Bank of America®
SKU: 168820

If you’re like me, there comes a point when you want something very specific to your needs, whether it’s food, flights, or financial products. That’s where a credit card designed for a unique set of characteristics comes in.

Sure, a general-purpose account can suffice for many things and for most people, but some are developed for your situation and give back in ways that make your life easier, more luxurious, and even cheaper. Pretty compelling.

Which brings me to the Atmos™ Rewards Visa Signature® Business Card. Issued by Bank of America, it’s a travel credit card developed for small business owners who gravitate toward Alaska and/or Hawaiian Airlines.

It’s not for luxury-seekers, but for those who want a card that will reward them generously for their natural spending. The low annual fee will be barely a line-item blip and is more than worth the expense after all the special perks are accounted for.

The application process involves just six easy steps, from explaining what your business is all about to providing details about your income and credit history. Here’s what you need to know about the Atmos™ Rewards Visa Signature® Business Card, and who I believe should be giving it a very strong look.

Whatever your venture is, it’s usually a good idea to get a business credit card. And if air travel is in your future, make it a travel business card. There are plenty of cards to choose from, so to cut down on confusion, identify your preferred airline.

The Atmos™ Rewards Visa Signature® Business Card is co-branded with Alaska Air Group, which focuses on Alaska Airlines and Hawaiian Airlines. If you or your employees will be taking trips on the group’s associated carriers, this card should automatically be attractive.

Atmos™ Rewards Visa Signature® Business Card

CardRates Expert Rating ★★★★★ 4.7/5.0

at Bank Of America’ssecure website

Our Review »

Limited-time online offer: Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account.
Earn another Companion Fare ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card –that’s a savings of $70 per person roundtrip!
Preferred boarding for any cardholder when you pay for your Alaska Airlines or Hawaiian Airlines flight with an Atmos™ Rewards Business Card.
Earn 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn 2 points for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases. Earn 1 point per $1 spent on all other purchases.
Earn a 10% rewards bonus on all points earned from card purchases if your company has an eligible Bank of America® business account.
Enjoy 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases when you pay with your Atmos™ Rewards Business Card.
Get $100 off an annual Alaska Lounge+ Membership purchased with your Atmos™ Rewards Business Card
Plus, no international transaction fees and a low annual fee of $70 for the company and $25 per card.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Intro (Purchases) N/A

Intro (Transfers) N/A

Regular APR 19.74% – 27.74% Variable APR on purchases and balance transfers

Annual Fee $70 for the company and $25 per card

Credit Needed Excellent

Charging business expenses will earn you points you can redeem for free flights, statement credits, and hotel stays. When booking and flying on these airlines, you also get goodies, like complimentary checked bags and discounts on in-flight purchases.

Don’t expect a lounge network membership or a sprawling transferable-points ecosystem, though. Instead, it is an airline-specific card that pays for itself with the included perks.

Annual Fee Structure

There is an annual fee associated with the Atmos™ Rewards Visa Signature® Business Card, but it’s pretty reasonable: just $70 for the company and $25 per card if you want to add employees to the account as authorized users.

Simple math gets you here: If you're the sole cardholder and if you add three authorized users, the grand total for the year will be $145.

When deciding whether you want to add others to this account, remember that each person who uses their card will generate additional points with their purchases.

Get a 10% Bank of America Business Account Bonus

The Atmos™ Rewards Visa Signature® Business Card includes some money-saving extras. For example, if your company has an eligible Bank of America small business checking account, every point that you or your authorized users generate with this card will be increased by 10%.

It's a really nice benefit that requires no effort on your part, other than opening a qualified account with the bank.

No Foreign Transaction Fees

Feel free to take the Atmos™ Rewards Visa Signature® Business Card with you all over the world. You won’t be charged foreign transaction fees, so it can help keep costs low when you spend outside the United States.

This is especially important if you purchase merchandise or conduct other business internationally. A $50,000 spend will add around $1,500 to your balance if your card charges a 3% transaction fee.

And more about global travel and fees: Through Alaska Air Group’s membership in the oneworld alliance, your travel options extend far beyond domestic routes. You have access to the alliance’s large network of other airlines, including international partner airlines.

So not only can you use this credit card without worrying about foreign transaction fees, but you and your authorized users will also continue to earn valuable reward points on every charge, wherever you are in the world.

The Atmos™ Rewards Visa Signature® Business Card offers tiered rewards versus flat-rate rewards, but the program is pretty easy to navigate.

Point Bonus & Companion Fare Welcome Offer

As of the time of this writing, you have the ability to earn 70,000 bonus points after you make at least $4,000 in purchases within the first 90 days of opening your account. You can also claim a $99 Companion Fare (plus taxes and fees starting at $23).

This is an amazing deal considering the bonus alone is worth somewhere between $980 and $1,050 if you redeem the points for travel expenses.

You may find the spending threshold easy to hit, but of course, plan for upcoming expenses first. If you don’t need to charge that much and have to stretch yourself to meet the minimum, it could end up as revolving debt and won’t be worth the effort.

Remember, too, that this offer is only available to online applicants, so if you plan to apply for the card, visit the website to do so.

Earn 3X Points on Alaska and Hawaiian Airlines Purchases

Bank of America points are currency that you can spend in many ways, so earning the most without carrying over debt will add to your bottom line. Here’s how much you can earn with the Atmos™ Rewards Visa Signature® Business Card.

You will earn 3 points for every dollar you spend with Alaska Airlines or Hawaiian Airlines. Simple. But you can also earn that rate when you purchase tickets on the group’s other airline partners.

Search for the flight you want directly on Alaska Airlines or Hawaiian Airlines' websites and look for fares that say “Operated by [Partner Airline].” As long as it's sold with an Alaska or Hawaiian flight number, it will trigger triple the points.

So think about your upcoming travel plans. If you and your team will be flying to meetings, conferences, or sales calls, and Alaska Airlines or Hawaiian Airlines are the carriers that make the most sense for your location and needs, this card can benefit you and your company.

Everyday Business Expenses Earn 2X Points

The next big rewards category will be 2 points for each dollar you spend. You’ll earn that rate when filling up your tank with gas, charging your electric vehicle, and on shipping expenses.

It also applies to spending on local transit, such as tolls, buses, and subways. Rideshare companies, too, which can add up.

I just recently reviewed my Uber spending and was a bit shocked to find my average monthly total to be $300. If I added it to this card, I’d earn 7,200 points annually for this expense alone.

Whatever else you buy with this card earns one point per dollar spent, so think carefully. Will you be spending in high-point value categories or not? If so, this card can make financial sense.

The Atmos™ Rewards Visa Signature® Business Card is developed for frequent flyers on select airlines, and not only because the points you earn will be elevated when you buy the right tickets.

The perks are worth a lot of money and can improve your overall travel experience.

Annual Companion Fare

If you won’t be traveling alone, the Annual Companion Fare will keep cash in your pocket. As long as you spend at least $6,000 with your Atmos™ Rewards Visa Signature® Business Card in a year, you will unlock a $99 Companion Fare for someone else on each account anniversary.

Taxes and fees will be added to that purchase, which starts at $23, but on a net basis, this perk can be worth hundreds of dollars. You’ll be able to bring a second traveler with you on a flight for a fraction of what it may normally cost.

That’s a great deal, and if you’re like many small business owners, meeting the $6,000 minimum spend to get it won’t be hard. But again, do your math first. If this will be a lean year for spending, you may not charge enough to get it.

Free Checked Bags and Priority Boarding

As a cardholder, you will enjoy a free checked bag and preferred boarding when you use your card to book Alaska Airlines or Hawaiian Airlines tickets.

Even better, you won’t leave your traveling companions behind. This perk covers up to 6 people traveling with you on the same reservation. The free checked bags alone can translate into serious savings.

If it costs $35 to check a single piece of luggage, six would be $210. Why not use that money to treat the team to breakfast instead?

In-Flight Discounts and Lounge Access

If you fly on Alaska and Hawaiian Airlines and pay for food, beverages, and wifi during your flight with your Atmos™ Rewards Visa Signature® Business Card, you’ll get 20% back on those purchases. It’s an automatic rebate, and the money will be added to your next account statement.

That discount can help keep costs low, but there’s more. Although this card doesn’t offer free entry into lounges or have a partnership with Priority Pass, you do qualify for $100 off an annual Alaska Lounge+ membership, which is normally $795 a year.

You can bring either your immediate family or up to two guests into the lounge with you for free, too.

I have had a Bank of America account since I graduated from college, and it has definitely grown with me. One reason is that the bank uses the latest technology to make things more convenient.

And its digital tools seem to improve by the year. Here’s a look at what you can expect for this card:

Business Advantage 360 Tools & Features

Ever feel like your business finances aren't as organized as you'd like them to be? Yes, me too.

So, like me, you will welcome Bank of America Business Advantage 360. It's a centralized, digital financial dashboard you have access to with the Atmos™ Rewards Visa Signature® Business Card.

It aggregates real-time cash flow numbers and integrates common software programs like QuickBooks Online, RUN Powered by ADP, and Google Workspace to keep you on track and in the know.

Because your credit profile is essential for securing new financing, the platform provides free ongoing access to your Dun & Bradstreet business credit scores. You’ll see when these numbers rise or fall and can act appropriately when they fluctuate.

If you do give employees permission to act as authorized users, the dashboard allows you to maintain complete administrative control. You can customize employee card permissions and monitor their transactions.

With the digital wallet, you can make secure, tap-to-pay purchases. The Atmos™ Rewards Visa Signature® Business Card includes powerful financial protection, such as zero liability for unauthorized transactions, fraud monitoring, Balance Connect® overdraft protection, purchase security insurance, and extended warranty coverage on eligible items.

As a business traveler, this card will also give you peace of mind. It includes great travel and emergency services, such as $1 million in travel accident insurance, emergency ticket replacement, lost luggage assistance, and even legal or medical referrals while you're away from the office.

Support Channels & Responsiveness

As a member of the small business community, you will find several ways to connect with Bank of America for assistance. For example, you can open a new account by calling 1-866- 283-4075. Customer service representatives are available Monday through Friday, 8 AM to 10 PM ET.

As a test, I called. After waiting just under a minute to be connected to a human, I spoke with a very professional representative named Jessie. He patiently walked me through all the benefits of opening a separate credit card account for my small business.

We began talking on a Wednesday at around 4 PM, and he stayed on the phone with me for more than 15 minutes. Jessie said he would help with onboarding, should I want to go through with the process, and would make sure everything is set up correctly.

I also asked Jessie about the Preferred Rewards for Business program, Bank of America’s free loyalty program for small business owners. He covered most of its benefits and credit card reward boosts. After answering all my questions, Jessie offered me his Bank of America email address so I could contact him directly.

If you already have a Bank of America business credit card, you can call 1-888-BUSINESS (1-888-287-4637) for any questions. You can pay your bill over the phone, too, by calling 1-888-306-4949, which is Bank of America’s automated payment system for business credit cards.

And you always have access to Business Advantage 360, so you can manage your account 24/7. It also features my namesake, Erica, Bank of America’s AI-driven virtual financial assistant. You can only ask Erica basic questions about your account, but if that’s all you need, you’re good to go.

Because the Atmos™ Rewards Visa Signature® Business Card isn’t a consumer card, it requires different information when you apply. You will need to provide a federal Employer Identification Number if you operate as an LLC, corporation, or partnership.

However, if you're applying as a sole proprietor and don’t have a separate EIN, your Social Security number is sufficient.

Just prepare to include your annual revenue, and be aware that they will pull your credit score. This card is geared toward applicants who have good to excellent personal credit.

FICO Scores range from 300 to 850, so you’ll want yours to be 670 at least, but higher is definitely better. Having enough income to meet at least the minimum payment on the credit line will be essential.

As I mentioned earlier, the application process for the Atmos™ Rewards Visa Signature® Business Card is pretty simple. As long as you have your business information on hand, you should be done in a matter of minutes.

But if you have to look up your business income and other specifics, like your Tax ID number, to process, it could take significantly longer. Here are the steps I went through when I tested out the application:

Step 1: Read More About the Card

After clicking the “Apply now” button, I am taken immediately to a long form to fill out.

The first thing I see is a set of bullet-point explanations about what I can get with this credit card, so I read them over carefully.

Step 2: General Business Information

Now I come to the “get started” area of the screen. I see that it begins with “Business.” In the fields, I am to list my business name and the business name I want on the card.

I am then asked if my business has been doing business in a different name from its legal name, and I can choose “Yes” or “No”.

After that, I see I must submit my business address and the business phone number in two additional fields.

It then asks me if the business address I listed is my main office or headquarters, and I must answer “Yes” or “No”.

A checkbox appears after that, and I am to click it if the business mailing address is different from the physical address. If it is, a field will appear for me to type in that address.

Step 3: Business Legal and Financial Details

Scrolling down, I now see that there is a section for “Business legal & financial information.” In a series of fields, I list my federal tax ID number and the country of formation.

For the field titled “Business Structure.” I must select from a list of options. These include corporation, general partnership, LLC, limited partnership, sole proprietor, and unincorporated association, among many others.

Another field gives me drop-down options for the country of operations, where my business conducts most of its activities.

Then I see a field to indicate the number of employees I have. Another field with a drop-down menu asks for my industry.

Among the options are agriculture, construction, finance, real estate, manufacturing, retail, services, transportation, communications, and wholesale trade.

Then, I must enter my gross annual sales and the year and month my business was established in other fields.

After that, I see a series of “Yes” or “No” responses for another series of questions. These include whether my business is a non-operating entity, whether it has any non-US business activity, whether it operates as a charity or non-governmental organization, whether it's nonprofit, and whether it engages in Internet gambling activities.

Step 4: Personal Data (Including Finances)

After completing the above screens, I came to an area about my personal information.

First, I check a box assuring that I am authorized to borrow on behalf of my business. Then, in a series of additional fields, I submit my name, job title, and how my name will appear on the credit card.

I select “Yes” or “No” depending on whether the residential address I list is the same as my business address. If the mailing address is different, I check a different box and provide that address.

On the next part of the form, I enter my primary phone number and email address. Then I see two “Yes” or “No” questions asking me to click if I am a US citizen or have dual citizenship.

After that, I am to choose my country of residence from a list in one field and write my birthdate in the following field.

Now I see seven more fields to complete. Here I will list my total gross household income, the primary source of my income, my occupation, housing status, and monthly housing payment. I will also specify my ownership percentage in my business and identify the controlling manager.

If I have an Atmos Rewards Program Number, I am asked to list it in the last box of this section.

Step 5: Read Terms and Submit Application

Now I come to the last part of the application, which starts with a drop-down form where I read all of the account’s terms and conditions.

After that is text stating that if I submit the application, I acknowledge that I have read and agreed to the terms and conditions. I must also check a box indicating that I do.

A blue “Continue” button follows, and if I click it (I don’t), I will be submitting the application. If I would like to save my application, I can click the button to save it and return to it later.

You want enough of a credit line to fit your business needs, but you won’t know your initial limit until you apply and are accepted. Bank of America doesn't publish a formula or specific starting credit limit range for the Atmos™ Rewards Visa Signature® Business Card.

This card, like most small business accounts, requires a personal guarantee. That means you will be personally liable for the debt incurred with the card.

Therefore, if you do get it, you should be confident that you will keep the account in good standing by paying on time and avoiding overwhelming debt.

To give you a sense of the potential credit limit, this card often starts with a minimum of $5,000, but can be three times that figure if your personal credit score is excellent and your business income is robust and established.

Every credit card is unique and has its advantages and disadvantages. The Atmos™ Rewards Visa Signature® Business Card is a great account, but it’s not right for every small business owner.

In the end, if you’ll be flying with Alaska or Hawaiian Airlines, the free checked bags and companion fare alone can easily offset the annual fee.

But if your travel doesn't naturally intersect with these two airlines or their partners, the Atmos™ Rewards Visa Signature® Business Card won’t have too many advantages.

Although there are fewer credit cards developed for the small business market compared to those for consumers, you still have quite a few choices.

Here are a couple you may consider, and when the Atmos™ Rewards Visa Signature® Business Card might be the better decision.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

CardRates Expert Rating ★★★★★ 4.8/5.0

at Bank Of America'ssecure website

Our Review »

50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No limit to the amount of points you can earn and points don't expire as long as your account remains open.
No annual fee and no international transaction fees.
Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.99% to 26.99% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Intro (Purchases) 0% Intro APR for 7 billing cycles for purchases

Intro (Transfers) N/A

Regular APR 16.99% - 26.99% Variable APR on purchases and balance transfers

Annual Fee $0.00

Credit Needed Excellent

If you’d rather stick with Bank of America, you may be interested in the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card. It’s a flat-rate rewards credit card for business owners. With it, you will earn unlimited points at a rate of 1.5 per dollar on every purchase.

There is no annual fee to worry about, nor does it have a foreign transaction fee. You can redeem your points in several ways, including for statement credits for travel and to book travel through Bank of America’s Travel Center.

However, the Atmos™ Rewards Visa Signature® Business Card offers a few advantages, including the $99 Annual Companion Fare, discounted in-flight purchases, and higher points when you use the card to purchase co-branded flights

Capital One Spark Cash Select

CardRates Expert Rating ★★★★★ 4.7/5.0

at the issuer'ssecure website

Our Review »

Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
Enjoy a 0% APR for the first 9 months of opening
No annual fee
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Rewards won't expire for the life of the account
Redeem your cash back rewards for any amount
Free employee cards, which also earn unlimited 1.5% cash back on all purchases
$0 Fraud Liability for unauthorized charges
Top rated mobile app

Intro (Purchases) 0% for 9 months

Intro (Transfers) N/A

Regular APR 16.99% - 26.99% (Variable)

Annual Fee $0

Credit Needed Excellent

See Rates & Fees »

This flat-rate rewards card can be great if you’re searching for simplicity over strategy. Instead of points, you will earn unlimited cash back at a rate of 1.5% on every purchase you make with the card.

The only exception is that you’ll get 5% cash back on hotels and rental cars booked through Capital One Business Travel. There is neither an annual fee nor a foreign transaction fee, and as a new cardholder, you can qualify for the introductory signup bonus.

It also comes with free employee cards, virtual card numbers, and accounting software integrations. While the Atmos™ Rewards Visa Signature® Business Card does have a small annual fee, the perks more than make up for it in value.

If you and your employees fly with Alaska Airlines or Hawaiian Airlines on a regular basis, the points you earn (plus the companion fare) may be worth a lot more than the cash back from the Capital One Spark Cash Select.

If you are looking for a new business credit card and you are (or will be) a regular flyer with either Alaska Airlines or Hawaiian Airlines, I would definitely point you to the Atmos™ Rewards Visa Signature® Business Card.

You can earn major points on those purchases, and if you have a Bank of America business checking account, you’ll get a lucrative point boost. The modest annual fee will be more than made up for with the rewards and perks.

As I stressed in the opening, this is not a general rewards card. It’s specific. If you don’t fly much or only fly with other airlines, it won’t be of much use to you. Want luxury travel perks, like global access to thousands of airport lounges, substantial credits, and white-glove concierge services? That’s not what this card is all about. You’ll need good-to-excellent credit to qualify, too.

Put the Atmos™ Rewards Visa Signature® Business Card at the top of your consideration list if you will be earning the highest reward rate, want that heavily discounted annual companion fare, and want less expensive in-flight purchases.

Odds are you’ll love Bank of America’s mobile app, which can help you keep your money and credit management organized. In short, it's an affordable account that gives a lot back to certain small business owners.

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My In-Depth Review of the Atmos™ Rewards Visa Signature® Business Card: A Perk-Filled Travel Card

What to Expect With the Atmos™ Rewards Visa Signature® Business Card

Atmos™ Rewards Visa Signature® Business Card

Annual Fee Structure

Annual Fee

Get a 10% Bank of America Business Account Bonus

No Foreign Transaction Fees

Rewards Program & Welcome Offers

Point Bonus & Companion Fare Welcome Offer

Earn 3X Points on Alaska and Hawaiian Airlines Purchases

Everyday Business Expenses Earn 2X Points

Airline Perks and Business Travel Benefits

Annual Companion Fare

Free Checked Bags and Priority Boarding

In-Flight Discounts and Lounge Access

Mobile App Business Management & Support

Business Advantage 360 Tools & Features

Support Channels & Responsiveness

Requirements to Qualify

How to Apply (A Step-by-Step Guide)

Step 1: Read More About the Card

Step 2: General Business Information

Step 3: Business Legal and Financial Details

Step 4: Personal Data (Including Finances)

Step 5: Read Terms and Submit Application

What Credit Limit to Expect

Pros and Cons

Pros

Cons

Similar Cards Worth Considering

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Capital One Spark Cash Select

Would I Recommend the Atmos™ Rewards Visa Signature® Business Card?

About the Author

Jon McDonald