Atlas - Modern Credit Card 4+

Build credit, save money

Exto Inc.

    • 4.4 • 19 Ratings
    • Free

iPhone Screenshots


Atlas is a modern credit card with 6x higher approval rates than traditional credit cards. It’s designed to be easy to get even without an existing credit history.

6x 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.

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.

Student plan is $0/month for five years - lock it in!
Regular plan is $4.99/month for everyone else
No other hidden, surprise or annual 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 0.5.6

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

4.4 out of 5
19 Ratings

19 Ratings

Mihir Jham ,

Amazing card. The auto-pay is life saver.

I use Atlas for everything. I mean why not? Its so much better than my debit card. My favorite feature is the auto-pay. I am someone who always worries about missing a payment. With Atlas that is not something I have to worry about. Love the auto-pay and building my credit with everyday purchases

Arti TD ,

So happy I found this

I know building credit is important but I never knew how to get started and never wanted to risk high interest debt. I'm so happy I found Atlas and started using it. My credit score has already gone up and it hasn't cost me anything. Highly recomend it to anyone that wants to start building credit (it's good to start early!).

i_was_never_given_a_name ,

Atlas is a must have card

I have always been really scared of credit card debt so have avoided credit cards. But have been missing out on cash back and building credit. With Atlas I can get all the benefits without any interest or risk of debt. Its awesome. I think its a must-have card for any student.

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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