By AppHub Editorial Team · Updated August 5, 2026
Atlas - Rewards Credit Card
Overview
Finance
Exto Inc.
Free
false
No
Features
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 limit...
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
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.
— 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 Mastercard is issued by our bank partners Patriot Bank N. A. and Academy Bank N. A., pursuant to a license from MasterCard® International Incorporated.
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.
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Frequently Asked Questions
Is Atlas - Rewards Credit Card free to download? high
Yes. The app metadata lists Atlas - Rewards Credit Card as free, with in-app purchases listed as false.
Source: app_metadata
How to Use
Atlas is a rewards credit card with 4x higher approval rates than traditional credit cards. (app_description)
Getting Started
Source: app_description_and_user_feedback_noted
- Install Atlas - Rewards Credit Card from the appropriate app store.
- Open the app and start with the free experience.
- Review the main features described in the app listing.
- Adjust app settings based on your preferences.
Key Features (from app listing)
Source: app_description
- EASY AND ACCESSIBLE
- 4x higher approval rates than traditional credit cards. Get approved instantly without leaving the app.
- BUILDS YOUR CREDIT
- Atlas reports to all 3 major credit bureaus - Equifax, Experian and Transunion.
- Simple pricing: only $8.99 every 4 weeks, or $89/year in the annual plan.
- No other hidden, or surprise fees.