Atlas - Rewards Credit Card 4+

Credit made easy

Exto Inc.

    • 4.7 • 1.4K Ratings
    • Free

iPhone Screenshots


Atlas is a rewards credit card with 5x higher approval rates than traditional credit cards. It’s designed to be easy to get even without an existing credit history.

5x higher approval rates than traditional credit cards. Get approved instantly without leaving the app.

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.

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.

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.

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.

Simple pricing: only $8.99/month
No other hidden, or surprise fees

Atlas is not a bank. The Atlas card is issued by Patriot Bank pursuant to a license from Mastercard®. Atlas may be used everywhere Mastercard® credit cards are accepted.

Rewards and credit services are offered and managed by Atlas. Increase in credit score is dependent on on-time payment behavior and never guaranteed. Credit scores are impacted by many factors and an Atlas card is one of them.

What’s New

Version 1.1.11

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.

Ratings and Reviews

4.7 out of 5
1.4K Ratings

1.4K Ratings

Negjakmel ,

Love it

Yes Atlas, Atlas, Atlas, this card is really lives on to its name, Atlas for real, I was having trouble finding a credit card company to help me get a credit card so I can rent a vehicle for my little business, even though I had a chime credit card, the rental company rejected the chime credit card, I had to find me a card quick, I tried to get a secured credit card with capital one, I had no success, even though I was ready to put down the $200 they asked me for, and then one day scrolling through my Facebook page, I saw this advertisement on my Facebook page, I said let me give them a try, i was kind of worried at first, I didn’t want it to be a scam, to give them my credentials then end up being a victim of identity theft, I went ahead and filed the application, and then boom there it is, Atlas is making it do what it do guys, not only I finally went and got my rental vehicle so I can run my little business, Atlas is helping me to build my credit guys, hopefully in the near future I can purchase my own vehicle for my business, I use this card for everything, I don’t use cash anymore, unless if the place doesn’t take cards, thank you Atlas, thank you, best card ever 🙏🏾❤️❤️❤️❤️❤️

Shell Den Cam 9-11-16 ,


I was just scrolling through my App Store and I came across Atlas and I’m so glad that I did! There are a few other Credit Builder apps that work like this one and I have tried working with one and it was a living nightmare because they were extremely unorganized and they have been around for years but Atlas has been wonderful! They are very consistent which is a pet peeve of mine, they are very helpful and kind no matter what questions or concerns you have you can expect your needs to be met and handled very prompt and professionally! If you are looking to build your credit and enjoy yourself while doing so then you should really consider choosing Atlas and I promise you will not be disappointed! Atlas THANK YOU SO MUCH FOR HELPING ME! You are WONDERFUL!

To_Infuriated_And_Beyond! ,

Only 1 star at the moment because I can’t get ahold of customer service

I can’t rate the app because I can’t get in to it! It stays stuck on “verifying info” no matter how many times I uninstall and reinstall it, the moment I open the app again it jumps to that page without me even signing in. And I thought uninstalling is supposed to delete all connected info. I have sent multiple emails, texts, voicemails as since the only thing that happens when you call their number is the option to leave them a message. They say they are available 24/7 but they aren’t ever available. I have been trying to get ahold of them for close to two weeks. Why? Because I received my credit card in the mail and ZERO way to activate it or use it. SOMEONE PLEASE CONTACT ME!!! I have an opened credit card in my name with no idea the limit or terms or anything! Beyond infuriating to say the least. And before anyone asks. Yes I have updated my phone to the latest and checked for app updates. No option to log in online either so I guess I have to report it or something? Cause this will have some impact on my credit if it’s just sitting there. Please, can someone help me? Thank you.

Developer Response ,

Hi - We sincerely apologize for the troubles you've had with the app. We'd be happy to take a look into this for you, please reply back with your name and address. Thank you.

App Privacy

The developer, Exto Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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