Atlas - Modern Credit Card

Exto Inc.

About this app

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.

EASY AND ACCESSIBLE
6x 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.

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
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

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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

Love this card- it's so convenient and easy to use. Took two minutes to sign up. Been using it for a few months and my credit score has already gone up! It's also saved me money at Starbucks and H&M. It's a no brainer compared to my debit card.

I had no idea how easy it was to build credit. Atlas makes it super easy to do. The user interface isn’t complicated at all. It’s the card every college student needs right now.

Scammers Waited until I gave all of my personal information to tell me there was a wait list and that I would not be enrolled.

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.