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 every 4 weeks, or $89/year in the annual plan.
No other hidden, or surprise fees.

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Atlas is a financial technology company and state licensed lender, not a bank. Banking services provided by Academy Bank, N.A., Member FDIC. The Atlas Card is issued by Patriot Bank N.A. and pursuant to a license from MasterCard.

Membership fee, new member program and bonus terms apply, see atlasfin.com/policies for details. For consolidated bonus and reward terms, see ​​atlasfin.com/policies/rewards. The Atlas Card is optional, with an Interest Rate of 0% APR. Credit and Spend Power offered will vary over time. Average 50 point increase in credit score based on 2024 data. Improvement in your credit score is based on your specific situation and financial behavior. Loan services offered through Exto Inc., NMLS ID # 2526784 | Read licenses at https://www.atlasfin.com/atlas-licenses. Services may not be available in all states.

Atlas, 300 Coventry Rd, Kensington, CA 94707.

Ratings and reviews

Honestly liking it so far. It can help you build credit and they have really nice cards + tons of promotions and features. I was surprised at how many cash back offers there are for tons of different businesses. Some of the offers are great and could save a lot of money if used the right way and when I get back on my feet financially to be able to really reap the benefits of this app more fully, I will.

The app is good if you need anything account to help build credit. However, it constantly puts me in overdraft, even though it says that it checks your balance beforehand. However, it gives you 1-hour notice that it will initiate a smart payment at 9am; Smart pay being a feature that you can not turn off, only postpone, even if you have direct deposit set up. If that feature were to be removed, at least for those with DD, this would easily be a 4 or even 5-star finance app.

Atlas advertises itself as a way for people to build credit who currently have bad credit. Everything looks good on paper. My personal experience with them has taught me they are just looking to take advantage of people who have few options. No actual people to talk to only AI,and if you have fraud on your account, they are no help! Do not take a chance on having a fraudulent charge go through because even when the charge is listed as PR*ESQN* & Chinese characters they will insist you pay!

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.