Atlas - Rewards Credit Card

Name: Atlas - Rewards Credit Card
Rating: 4.7 (142251 reviews)
Author: Exto Inc.

Earn cash back. Build credit.

Only for iPhone

Free

142K Ratings
Ages

4+
Years
Category

Finance
Developer

Exto Inc.
Language

EN
+ 1 More
Size

182.1
MB

iPhone

Atlas is a rewards credit card with 4x higher approval rates than traditional credit cards. It’s designed to be easy to get even without an existing credit history. EASY AND ACCESSIBLE 4x higher approval rates than traditional credit cards. Get approved instantly without leaving the app. GROWS WITH YOU Connect with 10,000+ banks to determine a safe spending limit you can easily repay without building up a balance. 0% APR ensures you never pay interest. Keep using the card to get higher limits. SAVES YOU MONEY Automatically save up to 10% at 50,000+ locations of places you love. These include Starbucks, Nike, DoorDash, Shake Shack, Burger King and more. We are always adding national and local savings. BUILDS YOUR CREDIT You will start building credit with daily transactions. Built in auto-pay ensures that you never have to worry about missing a payment. Track your score in the app and watch it progress on auto-pilot. Atlas reports to all 3 major credit bureaus - Equifax, Experian and Transunion. SAFE AND SECURE Shut down shady transactions by blocking your card anytime. You also get complete fraud protection that only credit cards offer. Atlas is built with industry leading security best practices in partnership with Patriot Bank and Mastercard. NO HIDDEN FEES Simple pricing: only $8.99 every four weeks No other hidden, or surprise fees — Atlas is a financial technology company and state licensed lender, not a bank. Banking services provided by Academy Bank, N.A., Member FDIC. The Atlas Mastercard is issued by our bank partners Patriot Bank N.A. and Academy Bank N.A., pursuant to a license from MasterCard® International Incorporated. Membership fee, new member program and bonus terms apply, see atlasfin.com/policies for details. For consolidated bonus and reward terms, see atlasfin.com/policies/rewards. The Atlas Card is optional, with an Interest Rate of 0% APR. Credit and Spend Power offered will vary over time. Average 50 point increase in credit score based on 2024 data. Improvement in your credit score is based on your specific situation and financial behavior. Loan services offered through Exto Inc., NMLS ID # 2526784 | Read licenses at https://www.atlasfin.com/atlas-licenses. Services may not be available in all states.

Ratings & Reviews

4.7

out of 5

142K Ratings

Best Credit card for Life
07/24/2024

Lorforever21
I’ve only had Atlas for about a week now and so far they have been pretty good. They have a lot of benefits and one of the benefits I love is that they can help build my credit faster. I’m just a little nervous about setting up direct deposit with my paychecks, but I will deposit money as time goes. The best part about the depositing money is it increases your credit limit, so for example, if you deposit $500, then you have $500 credit limit. To me that’s like saying you got control over your credit limit basically. Also I love the fact I only have to spend about $90 once a year for the credit card which is a good thing and more affordable. I also love the fact that they work with you on your financials and they make payments affordable no matter what. I can see myself with them for the rest of my life. I’m actually gonna recommend my husband getting them too. Plus, Atlas gives you $5 dollars for every person you recommend their app to and if that person signs up you get that $5 dollars in your acct. You can get up until $100 worth of recommendations. Atlas is truly worth everything. Oh and one last thing, their customer experience is outstanding. They respond to you within the same day you asked a question they don’t let you wait another day or another hour they respond to you right away and they text you through your cell phone, which is a lot faster, easier & convenient, I think. Way to go Atlas!
Best Credit card for Life
07/24/2024

Lorforever21

I’ve only had Atlas for about a week now and so far they have been pretty good. They have a lot of benefits and one of the benefits I love is that they can help build my credit faster. I’m just a little nervous about setting up direct deposit with my paychecks, but I will deposit money as time goes. The best part about the depositing money is it increases your credit limit, so for example, if you deposit $500, then you have $500 credit limit. To me that’s like saying you got control over your credit limit basically. Also I love the fact I only have to spend about $90 once a year for the credit card which is a good thing and more affordable. I also love the fact that they work with you on your financials and they make payments affordable no matter what. I can see myself with them for the rest of my life. I’m actually gonna recommend my husband getting them too. Plus, Atlas gives you $5 dollars for every person you recommend their app to and if that person signs up you get that $5 dollars in your acct. You can get up until $100 worth of recommendations. Atlas is truly worth everything. Oh and one last thing, their customer experience is outstanding. They respond to you within the same day you asked a question they don’t let you wait another day or another hour they respond to you right away and they text you through your cell phone, which is a lot faster, easier & convenient, I think. Way to go Atlas!
Best second chance credit card around!
10/25/2023

MOMster727
I have been trying to rebuild my credit from stupid decisions when I was 18 and ruined my credit. I have had a hard time finding any credit card company to approve me and then when I was approved it was loops and bounds just to be able to use my card. There were crazy fees and even crazier interest rates! But then one day scrolling on Facebook I stumbled upon Atlas, and boy was I happy that I did. I have been in love with this company ever since. The application process was so easy and quick, they gave me a decision right there in the spot. No waiting around for an email or a letter in the mail. The fee to open and use the account was $8.99 not $100 or more like most other credit card companies. I paid that and was able to use the card right away. It tracks and shows your current credit score right in the app so if your like me trying to work on your credit score you can go into the app whenever you want and see where your numbers are at. This has been one of the best decisions I have made! Thank you so much Atlas for giving customers like me a second chance at a credit card as well as helping us build our credit back up! At 18 I didn’t realize how important it was to have a credit score that was somewhat decent. Now 12 years later, with 2 kids I have realized how important it is to have a good credit score and it’s time I work on it. Atlas has been a saving grace in helping me accomplish just that!
Best second chance credit card around!
10/25/2023

MOMster727

I have been trying to rebuild my credit from stupid decisions when I was 18 and ruined my credit. I have had a hard time finding any credit card company to approve me and then when I was approved it was loops and bounds just to be able to use my card. There were crazy fees and even crazier interest rates! But then one day scrolling on Facebook I stumbled upon Atlas, and boy was I happy that I did. I have been in love with this company ever since. The application process was so easy and quick, they gave me a decision right there in the spot. No waiting around for an email or a letter in the mail. The fee to open and use the account was $8.99 not $100 or more like most other credit card companies. I paid that and was able to use the card right away. It tracks and shows your current credit score right in the app so if your like me trying to work on your credit score you can go into the app whenever you want and see where your numbers are at. This has been one of the best decisions I have made! Thank you so much Atlas for giving customers like me a second chance at a credit card as well as helping us build our credit back up! At 18 I didn’t realize how important it was to have a credit score that was somewhat decent. Now 12 years later, with 2 kids I have realized how important it is to have a good credit score and it’s time I work on it. Atlas has been a saving grace in helping me accomplish just that!
Atlas#1
02/28/2024

East$1de
Credit score increased within the first month or so by a decent amount. Trying to pay the balance more than half the time doesn't work.I can submit the payment 10 different times and it does nothing. Also, kind of annoying that the minimum deposit amount is $20.Maybe initially but afterwards you should be able to add any amount you want to your account. I'm a gig worker and trying to connect to any of my work accounts for direct deposit is a joke to get the immediate spending increase. I get direct deposit after every job, there is no set amount I get paid for each one and there's no option for 'whole paycheck' just set dollar amounts. The whole point is to get the instant higher spend power so l'm not even gonna waste my time doing it with each employer directly. Very plain, nothing to it other than an $8.99 membership fee with the only plus about it being that they report a $1,000 credit limit to the credit bureau even if your spending limit is only $10, which does help increase your credit. One more thing, they dont send you a card for your account until you qualify ? And recently got an email saying they were mailing me one ... I got married and had already updated my legal name through them weeks prior, and they sent me a card with my maiden name on it.
Atlas#1
02/28/2024

East$1de

Credit score increased within the first month or so by a decent amount. Trying to pay the balance more than half the time doesn't work.I can submit the payment 10 different times and it does nothing. Also, kind of annoying that the minimum deposit amount is $20.Maybe initially but afterwards you should be able to add any amount you want to your account. I'm a gig worker and trying to connect to any of my work accounts for direct deposit is a joke to get the immediate spending increase. I get direct deposit after every job, there is no set amount I get paid for each one and there's no option for 'whole paycheck' just set dollar amounts. The whole point is to get the instant higher spend power so l'm not even gonna waste my time doing it with each employer directly. Very plain, nothing to it other than an $8.99 membership fee with the only plus about it being that they report a $1,000 credit limit to the credit bureau even if your spending limit is only $10, which does help increase your credit. One more thing, they dont send you a card for your account until you qualify ? And recently got an email saying they were mailing me one ... I got married and had already updated my legal name through them weeks prior, and they sent me a card with my maiden name on it.
Atlas Credit Card Is The Real Deal!!!
08/16/2024

MRC0103
Like most things I get emails for or see ads about while on social media I’m on high alert and usually very skeptical. However, in the case of the Atlas Credit Card I literally feel like I found gold at the end of the rainbow. The sign up process is very well put together and requires little effort. Answer some basic questions fill in typical personal info and you’re off to the races. It’s very transparent and actually full of surprises they don’t advertise. Amazing APY… phone protection up to $500 in case of an accident… car rental assistance and travelers assistance on long trips. It’s $9 a month and they take that as soon as you sign up which is actually awesome because that begins the reporting process to the credit bureaus for anyone trying to rebuild or establish credit. They start you off with a small balance but to me this actually says they give a s$!# as opposed to just giving u a huge credit line that gives people big eyes and holes in their pockets to go with it. By simply setting up direct deposit from your job thru them they will give you a credit increase. As well as a chance to double your paycheck with a weekly drawing they do. I never ever write reviews but this seemed like almost an injustice to them not to!!!
Atlas Credit Card Is The Real Deal!!!
08/16/2024

MRC0103

Like most things I get emails for or see ads about while on social media I’m on high alert and usually very skeptical. However, in the case of the Atlas Credit Card I literally feel like I found gold at the end of the rainbow. The sign up process is very well put together and requires little effort. Answer some basic questions fill in typical personal info and you’re off to the races. It’s very transparent and actually full of surprises they don’t advertise. Amazing APY… phone protection up to $500 in case of an accident… car rental assistance and travelers assistance on long trips. It’s $9 a month and they take that as soon as you sign up which is actually awesome because that begins the reporting process to the credit bureaus for anyone trying to rebuild or establish credit. They start you off with a small balance but to me this actually says they give a s$!# as opposed to just giving u a huge credit line that gives people big eyes and holes in their pockets to go with it. By simply setting up direct deposit from your job thru them they will give you a credit increase. As well as a chance to double your paycheck with a weekly drawing they do. I never ever write reviews but this seemed like almost an injustice to them not to!!!

Thanks for using Atlas! We update our app regularly to make your experience even better. Every update of our Atlas app includes improvements in speed and reliability, as well as bug fixes and performance improvements. As new features are released, we'll highlight those for you in the app.

Version 4.7.3

3h ago

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Atlas - Rewards Credit Card

Earn cash back. Build credit.

Ratings & Reviews

What’s New

Version 4.7.3

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Data Used to Track You

Data Linked to You

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