MaxRewards Logo
  • App
  • Platinum
Sign Up
MaxRewards Logo

Join over 900,000 members maximizing their rewards

Download on Google PlayDownload on the App Store
  • Facebook
  • Instagram
  • TikTok
  • LinkedIn
App
  • Best Card
  • Offers
  • Benefits
  • Insights
  • Aggregation
  • Platinum
Resources
  • About
  • Changelog
  • Careers
  • Help Center
  • Contact Us
Travel & Perks
  • Best Travel Credit Cards
  • Best Premium Credit Cards
  • Best Airline Credit Cards
  • Best Hotel Credit Cards
  • Best Welcome Offer Credit Cards
Everyday Rewards
  • Best Cash Back Credit Cards
  • Best Restaurants Credit Cards
  • Best Groceries Credit Cards
  • Best Gas & EV Credit Cards
  • Best No-Annual-Fee Credit Cards
Credit & Needs
  • Best Beginner Credit Cards
  • Best Student Credit Cards
  • Best Business Credit Cards

© 2026 MaxRewards. All Rights Reserved.

Terms & ConditionsPrivacy Policy
  1. Credit Cards
  2. Atmos™ Rewards Visa Signature® Business
Bank of America

Atmos™ Rewards Visa Signature® Business

The Atmos™ Rewards Visa Signature® Business is built for small businesses that spend regularly on travel-related transportation, especially Alaska or Hawaiian flights, plus gas, transit, shipping, and ride-sharing. It works best as a niche business rewards card rather than a primary card for all company spending.

Welcome Offer
80,000 Points
Annual Fee
$95
Rec. Credit Score
Excellent
Good For
Traveling small businesses
How to Apply
Atmos™ Rewards Visa Signature® Business

All information about Atmos™ Rewards Visa Signature® Business has been collected independently by MaxRewards. Atmos™ Rewards Visa Signature® Business is no longer available through MaxRewards.

Is the Atmos™ Rewards Visa Signature® Business worth it?

This card is great for...

Alaska and Hawaiian flights

Gas and local transit

Shipping and ride-share spend

This card is worth a look for business owners who already buy Alaska or Hawaiian tickets and can also use the 2x categories often enough to keep the card active. The welcome bonus is solid for a $95 annual fee card, and the rewards structure gives it a clear lane if your business spending naturally lines up with flights, fuel, transit, shipping, and ride-sharing.

The tradeoff is that there are no listed benefits to help justify the annual fee beyond rewards alone, and the 1x base rate makes it a weak choice for general business purchases. If most of your spending falls outside its bonus categories, or if you want travel protections, credits, or premium business perks, this will likely feel too narrow to carry as your main business card.

MaxRewards

MaxRewards Verdict

A sensible fit for businesses with recurring spend on Alaska or Hawaiian flights and day-to-day transportation costs. For broader business spending, the rewards and benefits package is too limited to stand on its own.

Welcome Offer

80,000 Points after you spend $5,000 on purchases on your new card in your first 3 months of card membership.

Est. Value

$800

Required Spend

$5,000

Time Frame

3 Months

Est. Value

$800

Required Spend

$5,000

Time Frame

3 Months

What's your average monthly spend?

$1,700

You should easily hit the bonus threshold with this spend!

Rewards

Rewards percent based on a valuation of 1¢ per Atmos Rewards point

Atmos Rewards points are worth about 1 cent each here, so the earning rates function a lot like straightforward cash-back percentages. The key question is whether your business spends enough in the 3x and 2x categories to make this card more useful than a simpler flat-rate option.

CategoryEst. yearly spendRateRewards

Alaska Air

Est. yearly spend
Rate3%
Rewards$0

Hawaiian Air

Est. yearly spend
Rate3%
Rewards$0

EV Charging

Est. yearly spend
Rate2%
Rewards$0

Gas

Est. yearly spend
Rate2%
Rewards$0

Ride-Sharing

Est. yearly spend
Rate2%
Rewards$0

Shipping

Est. yearly spend
Rate2%
Rewards$0

Transit

Est. yearly spend
Rate2%
Rewards$0

Everywhere

Est. yearly spend
Rate1%
Rewards$0

Est. Annual Rewards

$0

Recommended Minimum Credit

Min: Excellent
Poor
Fair
Good
Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Rates & Fees

Annual Fee

$95

Purchase APR

19.49% - 27.49%

Variable

Transfer APR

19.49% - 27.49%

Variable

Cash Advance APR

27.74%

Variable

Foreign Transaction Fee

None

For rates and fees of Atmos™ Rewards Visa Signature® Business, please visit the Bank of America website.

Table of Contents

Atmos™ Rewards Visa Signature® Business

Atmos™ Rewards Visa Signature® Business

How to Apply

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from Bank of America

See all 42 cards
Sonesta World Mastercard®Sonesta World Mastercard®

95,000 Points

Worth $950

After you spend $1,000 on purchases on your new card in your first 3 months of card membership.

  • 1.5%3%Sonesta
  • 1.5%2%Airline
  • 1.5%2%Dining

Annual Fee

$75

Rec. Credit

Good

See DetailsHow to Apply

Terms apply.

See rates & fees.
Bank of America® Premium Rewards® EliteBank of America® Premium Rewards® Elite

75,000 Points

Worth $750

After you spend $5,000 on purchases on your new card in your first 3 months of card membership.

  • 1.5%2%Dining
  • 1.5%2%Travel
  • 1.5%1.5%Everywhere

Annual Fee

$550

Rec. Credit

Good

See DetailsHow to Apply

Terms apply.

See rates & fees.
Royal ONE Plus™ Visa Signature®Royal ONE Plus™ Visa Signature®

70,000 Points

Worth $700

After you spend $3,000 on purchases on your new card in your first 3 months of card membership.

  • 1.5%1%Everywhere

Annual Fee

$99

Rec. Credit

Good

See DetailsHow to Apply

Terms apply.

See rates & fees.
Atmos™ Rewards Visa Signature® Business
How to Apply