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About Atlas - Modern Credit Card

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


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.

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Frequently Asked Questions(FAQ)

How does Atlas differ from traditional credit cards?

Atlas has 6x higher approval rates than traditional credit cards and can be obtained without an existing credit history.

How easy is it to get approved for an Atlas credit card?

Approval for an Atlas credit card is instant and can be done within the app itself.

How does Atlas determine a spending limit?

Atlas connects with 10,000+ banks to determine a safe spending limit based on your ability to repay, without accruing a balance.

Does Atlas charge interest on purchases?

No, Atlas offers 0% APR, ensuring that you never have to pay interest on your purchases.

What kind of savings can I expect with Atlas?

With Atlas, you can automatically save up to 10% at 50,000+ locations of popular establishments like Starbucks, Nike, DoorDash, Shake Shack, Burger King, and more. Additional national and local savings are constantly being added.

How does Atlas help build credit?

Everyday transactions with the Atlas card contribute to building credit. The built-in auto-pay feature ensures that you never miss a payment, and you can track your credit score within the app.

How secure is the Atlas credit card?

The Atlas credit card allows you to block shady transactions at any time. It also provides complete fraud protection, which is exclusive to credit cards. Atlas prioritizes industry-leading security practices in collaboration with Patriot Bank and Mastercard.

Are there any hidden fees associated with Atlas?

The student plan for Atlas is $0/month for five years, and the regular plan is $4.99/month for everyone else. There are no other hidden, surprise, or annual fees.

Is Atlas a bank?

No, Atlas is not a bank. The Atlas credit card is issued by Patriot Bank under a license from Mastercard. However, it can be used wherever Mastercard credit cards are accepted.

Can Atlas guarantee an increase in credit score?

An increase in credit score with Atlas is dependent on on-time payment behavior and is not guaranteed. Credit scores are influenced by various factors, with an Atlas card being just one of them.
author
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.
Vetri Balaji
author
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 ...
Zane Salim