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Bank of America Atmos Rewards Ascent Visa Signature vs Premium Rewards Elite

Both are Bank of America cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Atmos Rewards Ascent Visa Signature 1.6% 1x base rate
  2. Premium Rewards Elite 1.5% 1.5x base rate

Dining

  1. Premium Rewards Elite 2.0% 2x
  2. Atmos Rewards Ascent Visa Signature 1.6% 1x base rate

Gas

  1. Atmos Rewards Ascent Visa Signature 3.1% 2x
  2. Premium Rewards Elite 1.5% 1.5x base rate

Streaming

  1. Atmos Rewards Ascent Visa Signature 3.1% 2x
  2. Premium Rewards Elite 1.5% 1.5x base rate

Phone & internet

  1. Atmos Rewards Ascent Visa Signature 3.1% 2x
  2. Premium Rewards Elite 1.5% 1.5x base rate

Flights

  1. Atmos Rewards Ascent Visa Signature 4.7% 3x
  2. Premium Rewards Elite 2.0% 2x

Hotels

  1. Premium Rewards Elite 2.0% 2x
  2. Atmos Rewards Ascent Visa Signature 1.6% 1x base rate

Public transit

  1. Atmos Rewards Ascent Visa Signature 3.1% 2x
  2. Premium Rewards Elite 1.5% 1.5x base rate

Rideshare & taxis

  1. Atmos Rewards Ascent Visa Signature 3.1% 2x
  2. Premium Rewards Elite 1.5% 1.5x base rate

What the numbers are doing

Atmos Rewards Ascent Visa Signature tops everything else at 1.6% only because this table values its points at 1.55 cents each. Value them at one cent and Premium Rewards Elite wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Atmos Rewards Ascent Visa Signature $95 and Premium Rewards Elite $550 a year, so a thin lead in one category may not cover the difference.

Where they differ: Atmos Rewards Ascent Visa Signature takes everything else, gas, streaming and phone & internet, plus 3 more; Premium Rewards Elite takes dining and hotels.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseAtmos Rewards Ascent Visa Signature1.6%
DiningPremium Rewards Elite2.0%
GasAtmos Rewards Ascent Visa Signature3.1%
StreamingAtmos Rewards Ascent Visa Signature3.1%
Phone & internetAtmos Rewards Ascent Visa Signature3.1%
FlightsAtmos Rewards Ascent Visa Signature4.7%
HotelsPremium Rewards Elite2.0%
Public transitAtmos Rewards Ascent Visa Signature3.1%
Rideshare & taxisAtmos Rewards Ascent Visa Signature3.1%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Atmos Rewards Ascent Visa Signature — 1.6%
  2. Premium Rewards Elite — 1.5%

Dining

  1. Premium Rewards Elite — 2.0%
  2. Atmos Rewards Ascent Visa Signature — 1.6%

Gas

  1. Atmos Rewards Ascent Visa Signature — 3.1%
  2. Premium Rewards Elite — 1.5%

Streaming

  1. Atmos Rewards Ascent Visa Signature — 3.1%
  2. Premium Rewards Elite — 1.5%

Phone & internet

  1. Atmos Rewards Ascent Visa Signature — 3.1%
  2. Premium Rewards Elite — 1.5%

Flights

  1. Atmos Rewards Ascent Visa Signature — 4.7%
  2. Premium Rewards Elite — 2.0%

Hotels

  1. Premium Rewards Elite — 2.0%
  2. Atmos Rewards Ascent Visa Signature — 1.6%

Public transit

  1. Atmos Rewards Ascent Visa Signature — 3.1%
  2. Premium Rewards Elite — 1.5%

Rideshare & taxis

  1. Atmos Rewards Ascent Visa Signature — 3.1%
  2. Premium Rewards Elite — 1.5%
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