Atlas - Rewards Credit Card

Exto Inc.

About this app

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/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 really am starting to enjoy this a lot! You have options to set when you're charges will be taken out so you are aware of your money situation! Also I just joined, but am excited! There are many incentives and ways to increase your spending power and I've been looking for a way to boost my credit! The credit card must be like a secured credit card because you add money to it. I have dealt with customer service and although they don't have a call help center yet their email communication is gre

I just signed up but the process was quick and easy. Everything was explained and I really like all the features available to use. Videos of each aspect of the card are available and ordering my physical card was simple and quick. I am looking forward to building my credit and using everything available. It seems so far like a good thing.

So consumer beware, this will not function as a true credit card, they require your account to be set up with "Smartpay", which automatically deducts your purchase from your bank account as soon as the day after purchase. Trying to buy something on credit because your rent is due and you're saving your cash for it? To bad, they'll take your rent money without shame. All in the name of building credit. I gave it 2 stars because as a credit builder it works, but as a credit card it falls flat.

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.