Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- $70
- Purchase APR
- APR range: 19.49% - 27.49%
- Balance transfer APR
- APR range: 19.49% - 27.49%
- Cash advance APR
- APR range: 27.74%
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- Check issuer terms
- Grace period
- 25 days
- Recommended credit
- Excellent (720+)
- Terms last updated
- 6/22/2026
Key benefits
- Airport-lounge benefits may apply
- Companion-travel perks may apply
- Business spending features
Rewards breakdown
Wafacard summary: Base earning: 1x on ordinary purchases. Bonus categories: 3x on Alaska Airlines and Hawaiian Airlines purchases; 2x on Gas, EV charging, shipping, and local transit. Relationship bonus: 10% bonus on points earned; Company must have an eligible Bank of America small-business account.. Confirm current categories, caps, and eligibility with the issuer.
Intro offer: Intro value may include 80,000 points. Confirm current requirements with the issuer.
Card details
Wafacard note: key fit signals include airport-lounge benefits may apply, companion-travel perks may apply, business spending features. Availability, exclusions, and enrollment rules can vary by issuer terms.
- Network
- Visa
- Review status
- Terms reviewed 6/30/2026
Is Atmos™ Rewards Visa Signature® Business Card worth it?
The Atmos™ Rewards Visa Signature® Business Card is a business card from Bank of America with a $70 annual fee — a mid-range cost that should be offset by everyday value. It lists 1x on eligible spending, and the breakdown below shows how that earning applies across categories. New cardholders may also qualify for a welcome offer: Intro value may include 80,000 points. Confirm current requirements with the issuer. It is generally aimed at applicants with excellent (720+) credit, with a purchase APR around APR range: 19.49% - 27.49%. Confirm current terms on Bank of America's site before applying.
