BoA Alaska Atmos Business Credit Card Review (Old Card New Name, 80k Offer)

physixfan 2025-08-20 2025-08-20

Application Link

Benefits

80k offer: earn 80,000 Alaska Miles after spending $5,000 in first 90 days.Plus a companion fare in the first year.
We value Alaska Miles at 1.6 cents/point (Airline Miles Value), so the 80k highest sign-up bonus is worth about $1,280!
Earn 3x Alaska Miles on Alaska Airlines tickets, vacation packages, and cargo purchases; 2x Alaska Miles on gas, EV charging station, shipping and local transit (including rideshare); 1x Alaska Miles on other purchases.
One round-trip Coach Companion Fare every year.Companion pays $121 for the round-trip.Companion Fare cannot be used on partner airlines flight.
First checked bag free.
Enjoy 50% off day passes at the Alaska Lounge, and 20% back on all Alaska Airlines inflight purchases.
No foreign transaction fee.

Disadvantages

Annual fee: “$70 per company, $25 per card”, so the least amount is $95. .
NOT waived for the first year.

Recommended Application Time

We recommend you apply for this card after you have a credit history of at least one year.
2/3/4 Rule: BoA will only approve you for at most: 2 cards per rolling 2 months; 3 cards per rolling 12 months; and 4 cards per rolling 24 months.Because their IT system hasn’t been fully updated yet, you may not get declined because of this rule.Instead, you may get approved at first, and then the account will be closed because of “approved in error”.
24 month churn rule: This card will not be available to you if you currently have or have had ANY BOA BUSINESS CARD in the preceding 24 month period.

Summary

This card is the same as the old BoA Alaska Business card.The welcome offer is quite attractive.

However, the reward rate for spending is not impressive, which so this is really not a card worth keeping unless you find a lot of value in the annual companion fare.

After Applying

Click here to check BoA application status.

BoA reconsideration backdoor number: 800-732-9194.It seems that the number is changing. Please inform us at once if it fails.The representatives here can get in touch with decision-makers directly.

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.