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Accepted by industry leading providers
Cash back partnership with 50,000+ locations
Traditional credit cards approve only 20% applicants without an existing credit history.1
Atlas has over 4x higher approval rates and grows with you.
How It Works
Get Approved In 2 Mins
Sign up and apply in under two minutes using our app. Enjoy swift approval and start your journey.
Grows With You
Connect your bank, and we'll offer a safe spending limit — no credit history needed. Limits grow over time and with usage.5
Automatically Save More
Smart Pay ensures hassle-free balance management and build up savings with Smart Save, supporting both your budget and credit growth.3
Builds Your Credit
We report to Equifax, TransUnion, and Experian. On average, members see a credit score increase of 50 points in the first year.4
The Card That Keeps Giving5
Our rewards program is designed to put money back in your pocket while providing you access to a wide range of exclusive benefits.
up to 5%
Cash back on subscription services, incl. Netflix, Hulu, & many others
up to 100%
Cash back on Lucky Swipes
up to 3%
Cash back on daily essentials like gas, food delivery, and cafes
up to 10%
Cash back when shopping at 50,000+ stores like Target, Starbucks, and more
Loved By Our Users
Why Users Love Atlas
Virtual Cards
Peace Of Mind Included
Cell Phone Protection
When you pay your monthly wireless bill with Atlas card, your cell phone is protected for the next calendar month. So, you can get reimbursed up to $500 if your cell phone is stolen or damaged.
Extended Warranty
Add up to an additional year to your qualifying warranty with Extended Warranty Protection, available for purchases made with your Atlas card. Per claim maximum $10,000 and per cardholder maximum $50,000.
Built-in Auto Rental Coverage
Save money by saying no at the counter – rent with your Atlas card and get built-in Auto Rental Coverage.
Emergency Travel Assistance
Travel and Emergency Assistance available for Atlas cardholders from anywhere in the world.
Your Safety, Our Priority
Atlas is built with industry leading best practices including regular security audits and tests.
Instant Transaction Alerts
Stay on top with real-time notifications for every purchase, payment, or account change.
Easily block your card in one tap
Lost your card or suspect fraud? Block it instantly with one tap in our app for immediate security.
Secure two-factor authentication
Add an extra layer of security with two-factor authentication. Only you can access your account.
Liability and Fraud Protection
You're protected against unauthorized transactions with 24/7 fraud monitoring.
Apply In Minutes
• Just takes two minutes to apply 8
• 0% APR with limits that grow with you
• No credit history needed
By clicking "Get Started" you opt-in to receive account and marketing messages at the entered number and agree to Atlas's mobile terms and privacy policy. Message frequency varies. Message and data rates may apply. You can opt-out at any time by replying STOP, or text HELP for support.
FAQs
More questions? Reach us at our Help Center.
We've designed Atlas in a way that maximizes access to credit. It's an easy way to both build credit and get a spending limit that grows with you. As long as you go through our identity verification process and link your primary bank account, you will qualify for Atlas Mastercard.
We work with Equifax, TransUnion and Experian to report at the end of each month. Once you sign up, Atlas should start appearing on your credit report by the 15th of the following month.
If you're not seeing us, simply reach out via the Atlas App and someone from our amazing Members Concierge will be happy to help!
Yes, you can deposit funds to your Atlas customer account to secure a higher limit. This is entirely optional and not required to use Atlas.
If you choose to make a deposit, your limit will increase by the amount of any deposits in your secured customer account, up to current card limit. You can make a deposit via ACH, debit card, or payroll direct deposit. Deposits are held by one of our bank partners, Academy Bank and Evolve Bank & Trust.
All funds are held in customer deposit accounts at one of our two bank partners Academy Bank and Evolve Bank & Trust. If you have questions, feel free to reach out to support@atlasfin.com.
We use Plaid to securely connect to your existing bank account (just like Venmo), so your banking information stays your business. The connection is managed entirely by Plaid and Atlas does not have any direct access.
Atlas is not a bank. Any funds held in your deposit account are held by one of our bank partners, Academy Bank and Evolve Bank & Trust. For the Atlas Card, we work with Patriot Bank, N.A., with Atlas providing the credit as the lender of record. We ensure your account and payments are safe and secure with both industry standard best practices, and regular security audits and tests.