# Atlas - Rewards Credit Card — Earn cash back. Build credit.

> Rewards credit card for building credit and earning cash back with high approval rates. (iPhone/iPad app by Exto Inc..)

- Source: https://appshunter.io/ios/app/atlas-rewards-credit-card/id1617487581 (this page in markdown: same URL + `.md`)
- Developer: [Exto Inc.](https://appshunter.io/developer/1617487583)
- Category: Finance
- Price: Free
- Rating: 4.70/5 from 264,693 App Store ratings · 5,071 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 154 MB
- Languages: American English, European Spanish
- Released: 2022-06-29
- Data updated: 2026-08-30
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/atlas-rewards-credit-card/id1617487581/reviews.md

## What is Atlas?

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.

## Key features

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

## Chart rankings

- #41 in Top Free · Finance (US App Store)

## What do users think of Atlas?

Overall sentiment: neutral

**Pros**

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

**Cons**

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

**Commonly reported bugs**

- App freezes during application process
- Account verification process takes too long
- Inconsistent credit limit increases

**Most requested features**

- Allow users to close account easily
- Faster response from customer support
- Increase initial credit limit
- Provide phone-based customer service

## Recent user reviews (10 of 5,071)

All indexed reviews: https://appshunter.io/ios/app/atlas-rewards-credit-card/id1617487581/reviews.md

### 5/5 — Good

*2026-08-28, version 6.0.11*

Atlas been good to me so far now let see if I win that $5,000 mystery box 😏😎

### 5/5 — Honest review!!

*2026-08-28, version 6.0.11*

Absolutely LOVE atlas! I’ve only been a member for about 2 months and my credit score went up 75 points since then ! It’s amazing and I’m happy being an atlas member!

### 1/5 — Scam

*2026-08-28, version 6.0.11*

Lies if you dont get approved they so not give you 50 they lend you up to 15 dollars

### 5/5 — Buena

*2026-08-28, version 6.0.11*

Recomendado

### 4/5 — Great card

*2026-08-28, version 6.0.11*

Atlas was a great credit card great rewards and spending power but they closed my account for a Lyft charge that I couldn’t find anywhere that is my only downside of the service

### 5/5 — Highly recommend

*2026-08-28, version 6.0.11*

I did apply for this Atlas card and it has been a really good one

### 5/5 — atlas

*2026-08-28, version 6.0.11*

atlas has been amazing! i’m building credit really fast and it’s been great.

### 5/5 — Great Credit Card

*2026-08-27, version 6.0.11*

I love Atlas definitely with the fact that it helps build your credit for free ! Very easy to sign up and get started literally no complications at all trust me you will not regret it !

### 5/5 — Fácil

*2026-08-27, version 6.0.11*

Muy claramente espectacular

### 5/5 — Atlas

*2026-08-27, version 6.0.11*

Best card ever so far has been working great

## Frequently asked questions about Atlas

### 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.

## Version history (last 5 releases)

### 6.1.1 — 2026-08-29

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.

### 6.0.12 — 2026-08-28

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.

### 6.0.11 — 2026-08-27

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.

### 6.0.10 — 2026-08-26

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.

### 6.0.8 — 2026-08-23

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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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*