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Atlas - Rewards Credit Card

Atlas - Rewards Credit Card

Earn cash back. Build credit.

273K ratings
5280 reviews
#34 in free Finance
💰 Finance
Free

Details

  • Released
  • Updated
  • June 29, 2022
  • September 17, 2026

Features

Developer

Exto Inc.
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Atlas - Rewards Credit Card screenshot #1 for iPhone
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Atlas - Rewards Credit Card screenshot #8 for iPhone
📉no. 34
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About

This app offers a rewards credit card designed for easy approval, even without credit history. It helps users build credit, save money with automatic discounts, and manage their finances securely with features like auto-pay and fraud protection.

✓High approval rates
✓Build credit history
✓Automatic savings up to 10%
✓0% APR
✓Auto-pay
✓Fraud protection
✓Track credit score
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What users say

Summarized from real user reviews of Atlas. Based on 273K reviews and a 4.7/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Easy to use
  • 🚀Instant credit limit increases
  • 💰Helpful for rebuilding credit
  • 🤑Rewards and cash back
  • 🔍Tracks credit score progress

Negative things

  • 🐛Account verification issues
  • 🤖Lack of live customer support
  • 💳Low initial credit limit
  • 🔒Concerns about account security
  • 💰Monthly subscription fee
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+1

What's New in Atlas

6.1.7

September 17, 2026

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.

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Charts

Top Free

📉 34-1

Finance

This app dropped -1 position in Finance chart.

Last updated on September 19, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Easy money

Easy set up and they gave you $15
The great 3The great 3

Woah… like seriously!

Credit score went up 120+ points in 3 months *not an ad*
jakey_bakey2096jakey_bakey2096

DON’T DO IT!!

DO NOT SOGN UP WITH THESE THIEVES! THEY’LL STEAL ENDLESS AMOUNTS OF YOUR HARD EARNED MONEY AND THEY MAKE IT IMPOSSIBLE FOR YOU TO DISCONNECT YOUR BANK ACCOUNT FROM THEIR PLATFORM. ADDITIONALLY, I NEVER SAW WHERE MY CREDIT WAS BEING UPDATED WITH CONSISTENT, ON TIME MONTHLY PAYMENTS TO ATLAS. A WHOPPING $10 LINE OF CREDIT PROBABLY WOULDN’T HAVE DONE MUCH ANYWAY, BUT STILL. THEY ALSO BOMBARD YOU WITH CREDIT SERVICES PROMISES (LIES) TO SWAY YOU FROM CANCELLING WITH THEM. SAVE YOURSELF THE HEADACHE AND WASTE OF PRECIOUS TIME THAT YOU COULD BE USING A REAL TRADELINE SERVICE THAT ACTUALLY REFLECTS YOUR CONSISTENT PAYMENTS TO THE BUREAUS. AGAIN, DO NOT DO IT!! CONSIDER YOURSELF WARNED!!!
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FootlooseFancyfreeFootlooseFancyfree

App sucks

Doesn’t download can not access your money. Ridiculous
Annoyed at atlas every dayAnnoyed at atlas every day

Higher numbers

I thought watching my credit score grow up would be like watching water boil(“a watched pot never boils”) but I was wrong! With Atlas my credit score is increasing faster than I even realized, it’s almost doubled!! Join Atlas, you won’t be sorry!
laurajmmclaurajmmc
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User experience

🐞

Reported Bugs

3 issues

App freezes during application process

Bug

Account verification process takes too long

Bug

Inconsistent credit limit increases

Bug
✨

Requested Features

4 requests

Allow users to close account easily

Feature

Faster response from customer support

Feature

Increase initial credit limit

Feature

Provide phone-based customer service

Feature

FAQ

What does the Atlas app do?

The Atlas app provides access to a rewards credit card designed for high approval rates, even for those with no credit history. It helps users build credit, earn cash back, and save money through automatic discounts at various merchants.

What are the key features of the Atlas credit card?

Key features include 4x higher approval rates than traditional cards, automatic savings of up to 10% at over 50,000 locations, 0% APR to avoid interest, built-in auto-pay for on-time payments, and comprehensive fraud protection. It also reports to all three major credit bureaus to help build your credit score.

How much does the Atlas credit card cost?

The Atlas credit card has a simple pricing structure with a membership fee of $8.99 every four weeks. There are no other hidden or surprise fees associated with the card.

Who is the target audience for this app?

This app is ideal for individuals who are looking to establish or improve their credit history, especially those who may have difficulty getting approved for traditional credit cards. It's also beneficial for users who want to earn rewards and save money on everyday purchases.

How does Atlas help build credit?

Atlas helps build credit by reporting your daily transactions and payment history to Equifax, Experian, and Transunion, the three major credit bureaus. With built-in auto-pay, it ensures your payments are always on time, which is a crucial factor in credit score improvement. You can also track your credit score progress directly within the app.