Atlas - Rewards Credit Card 4+

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!

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!

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.