For a business that flies Hawaiian or Alaska, this card earns 3x on purchases with those two airlines and comes with a 50,000 mile signup bonus after $4,000 of spend in three months, which is a low spend requirement for a bonus that size. The everyday rates are reasonable for a $99 airline card: 2x on gas, dining, and office supplies, with 1x on everything else. Be honest about the airline rate, though, because the 3x applies only at Hawaiian and Alaska and not to travel generally, so this is not a card for booking other carriers. The annual spend bonuses reward volume rather than loyalty: 20,000 Atmos Rewards points at $50,000 of calendar year spend, or 40,000 at $100,000 instead. A one-time 50% off companion discount on roundtrip main cabin travel and no foreign transaction fee make it easier to justify the fee in year one, and the regular APR of 19.49% to 29.49% means you want to carry no balance.
Earn rates & credits
| Category | Rate |
|---|---|
Airlines Hawaiian Airlines and Alaska Airlines purchases | 3x |
Gas | 2x |
Dining | 2x |
Office Supply Stores | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Annual Spend Bonus (20k) 20,000 bonus Atmos Rewards points after spending $50,000 in purchases each calendar year | 20,000 points /yr |
Annual Spend Bonus (40k) Additional 40,000 bonus Atmos Rewards points after spending $100,000 or more in purchases each calendar year (in lieu of the 20k tier) | 40,000 points /yr |
One-Time 50% Off Companion Discount One-time 50% off companion discount for roundtrip main cabin travel on eligible flights | 50% |
| Total annual credits | 60,000 points |
Card details
Regular APR | 19.49%–29.49% variable |
Foreign transaction fee | None |