Atmos™ Rewards Ascent Visa Signature® vs Chase Freedom Flex®

Atmos™ Rewards Ascent Visa Signature®Atmos™ Rewards Ascent Visa Signature®

Bank of America

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Chase Freedom Flex®Chase Freedom Flex®

Chase

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Annual Fee
$95
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Atmos Rewards
Chase Ultimate Rewards
Point Value
1.45¢/pt
2.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
85,000 Atmos Rewards after $4,000 in 120 days
20,000 Chase Ultimate Rewards after $500 in 90 days

Effective return by category

CategoryAtmos™ Rewards Ascent Visa Signature®Chase Freedom Flex®
Gas Stations2.90%
2x
10.00%
5x · Rotating (Quarterly) · $1,500 cap
EV Charging2.90%
2x
10.00%
5x · Rotating (Quarterly) · $1,500 cap
Transit & Rideshare2.90%
2x
10.00%
5x · Rotating (Quarterly) · $1,500 cap
Entertainment1.45%
1x
10.00%
5x · Rotating (Quarterly) · $1,500 cap
Internet & Cable2.90%
2x
2.00%
1x
Select Streaming2.90%
2x
2.00%
1x
Everything else1.45%
1x
2.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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