Atlas - Rewards Credit Card

Exto Inc.

About this app

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.

EASY AND ACCESSIBLE
5x 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/month
No other hidden, or surprise fees

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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.

Ratings and reviews

I've been using Atlas for a couple months now, and have upgraded to the annual plan. The ease of access and user friendly app is a star in itself, and the actual services give it the 5/5. Transferring, withdrawing, making payments, and utilization are so easy to use. Highly recommend. The only thing I've taken a problem with, is I had just paid my monthly membership fee, then upgraded to the annual and was charged for that, but didn't get my monthly fee back afterwards, so I paid extra.

Excited to try this app the features are nice. It's a little disappointing to have to verify over and over. My account was fully verified, and wake up to a email stating I have to verify again. I have business bank accounts that don't even do that. I'm a little hesitant on starting, also think it's a little silly to have to pay the monthly fee right off the back to start up. I would like to see how it works. Also when it says you have $$ available to spend, and it's not actually there, 😑

It's an ok credit building app. You do get approved, right away. This platform connects to your checking account to determine your credit worthy. This platform also offers you to add funds from your checking or debit card. Checking takes a few days. Debit card is quicker. But the debit card feature doesn't work. I have sent several emails. But nothing got done. Other than that, it's ok. One more thing I am not sure if it's reporting yet on my credit report. Hope this is helpful.

What's new

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.