Atlas - Rewards Credit Card
Description
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 four weeks 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.
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.
Details
- Developer
- Exto Inc.
- Main Category
- Finance
- Version
- 5.9.1
- Version Release
- 2026-07-18
- Initial Release
- 2022-06-29
- Size
- 143 MB
- Age Rating
- 4+
- Price
- Free
- Languages
- EN, ES
- Bundle ID
- com.exto.arrow
- Version Rating
- ★ 4.72 (241,520)
- First Seen
- 2026-05-28
Metadata updated 2026-07-19
Rank History
Free · Max 90 days · Top 5 categories shown (Y-axis: rank, lower is better)
Free Rankings
Paid Rankings
No rankings
Competitive Benchmark — Finance Top 10
What it takes to beat this app — comparison with the category's top apps. The orange row is the current app.
| # | App | Price | Rating | Ratings | Langs | Last Update |
|---|---|---|---|---|---|---|
| 1 | Kalshi: Trade the World Cup | Free | ★ 4.82 | 394,010 | 1 | 2026-07-15 |
| 2 | Polymarket | Free | ★ 4.64 | 52,282 | 1 | 2026-07-18 |
| 3 | Cash App | Free | ★ 4.79 | 8,533,427 | 2 | 2026-07-13 |
| 4 | PayPal - Pay, Send, Save | Free | ★ 4.78 | 6,298,539 | 36 | 2026-06-11 |
| 5 | Venmo | Free | ★ 4.85 | 15,467,102 | 1 | 2026-07-09 |
| 6 | Capital One Mobile | Free | ★ 4.85 | 10,851,900 | 2 | 2026-07-07 |
| 7 | Trump Accounts: Official App | Free | ★ 4.80 | 6,901 | 1 | 2026-07-14 |
| 8 | Chase Mobile®: Bank & Invest | Free | ★ 4.84 | 9,315,675 | 2 | 2026-06-29 |
| 9 | Chime® – Mobile Banking | Free | ★ 4.82 | 1,524,802 | 1 | 2026-07-14 |
| 10 | OnePay – Mobile Banking | Free | ★ 4.86 | 380,162 | 1 | 2026-07-14 |
| 34 | Atlas - Rewards Credit Card | Free | ★ 4.72 | 241,520 | 2 | 2026-07-18 |
User Reviews
I’m normally skeptic of offers such as these but I figured I’d try it & im actually super happy I like how it breaks everything down and explains what is what and how tells you and how’s you how to save build credit etc. thank you atlas for proving my skepticism wrong!!
I love that you all report to the credit bureau
I love this app, this app help me build my credit, I really love this app, try it
It was effortless to sign up and my account was ready immediately!
I joined Atlas not expecting much. My credit is non existent from a long abusive marriage. After the first month of using the card my credit jumped 111 in one bureau and and almost 100 on another. I’ll be mortgage bound in no time. Thank you Atlas!!
I love my Atlas card! Especially the auto save! And that I can use it with Apple Pay!!
La mejor tarjeta para comprar
Every since i found Atlas my life has changed for the better. I wont and will not need or require any other credit card. Atlas adds convenience to my life.
App is easy to use but the processes of each services provided could be explained much better. Basic credit building credit card.
Ive been using Atlas since September and I love it so far. It took a while for results, but it’s been the best thing for credit building out there. I love the user friendly app and benefits - highly recommend 10/10
I tried to sign up, but you guys won’t give me the email verification nor anyone to talk to about it. List interest that quick. Before you gaslight me with a solution the answer is no forever now.
I’m quite happy with Atlas! The best decision to be able to get a card and increase my credit and at the same time save money❤️
Reviews are collected only for apps with detected changes (new entries or sharp risers).