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Atlas - Rewards Credit Card

Atlas - Rewards Credit Card

Earn cash back. Build credit.

298K ratings
5704 reviews
#35 in free Finance
💰 Finance
Free

Details

Released
June 29, 2022
Updated
November 3, 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 #5 for iPhone
Atlas - Rewards Credit Card screenshot #6 for iPhone
Atlas - Rewards Credit Card screenshot #7 for iPhone
Atlas - Rewards Credit Card screenshot #8 for iPhone
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About

Build credit and earn rewards with a credit card designed for accessibility. Enjoy instant approval, automatic savings at popular retailers, and 0% APR. Track your credit score progress and benefit from fraud protection.

✓4x higher approval rates
✓Instant approval
✓0% APR
✓Up to 10% automatic savings
✓Credit score tracking
✓Fraud protection
✓Auto-pay
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What users say about Atlas

Reviews of Atlas are mixed: the Finance app is rated 4.7/5 from 298K App Store ratings. What users like most: easy to use, instant credit limit increases. Top complaints: account verification issues, lack of live customer support. Summarized from real user reviews.

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
See all reviews
+5

What's New in Atlas

6.4.6

November 3, 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

📈 35+2

Finance

This app rose +2 positions in Finance chart.

Last updated on November 3, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Credit builder

Great app highly recommend
AAO83195

Recommend!!!

I am so happy with this credit card app. Helped me build my credit in no time. A+++
EErica&Earl

THIS IS AMAZING

First month my score went from 518 - 649!!! I’m so excited and grateful! What a great program. I’ve been tellin everyone I know! If ur skeptical, don’t be. This app is going to help change my life!
MTMichael Carrington Taylor

Love this app

Been using this app for several months and it’s been great. Helps with my credit which is a plus. Two thumbs up.
FSFive stars🙏🏾

Clean design, great features

Atlas Bank is one of the best-designed banking apps I've used. The interface is clean and intuitive, so everything is easy to find and nothing feels cluttered. The features cover everything I need, and they all work smoothly. Managing my money actually feels simple. Highly recommend!


If you name one or two features you use most, I can work them in so the review feels more specific.
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Nnefariousdripp
See 5699 more reviews

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 is the membership fee for Atlas?

Atlas has a simple pricing structure with a fee of $8.99 every four weeks. There are no other hidden or surprise fees associated with the card. This fee is clearly stated in the app's pricing details.

Does Atlas have ads?

No, Atlas does not contain advertisements. As a finance app focused on security and user experience, it is designed to be ad-free.

How does Atlas help build credit?

Atlas reports your daily transactions to all three major credit bureaus (Equifax, Experian, and TransUnion). With built-in auto-pay, it ensures timely payments, which is crucial for credit building. Users can track their score progress directly within the app.

What kind of savings does Atlas offer?

Atlas offers automatic savings of up to 10% at over 50,000 locations, including popular brands like Starbucks, Nike, and DoorDash. The app is continuously adding new national and local savings opportunities.

Is Atlas available on all devices?

Atlas is currently supported on iPhone and iPod devices. Compatibility with other platforms may be considered in future updates.

How secure is the Atlas card?

Atlas provides complete fraud protection and allows users to block their card instantly to prevent suspicious transactions. The app is built with industry-leading security best practices in partnership with Patriot Bank and Mastercard.

What is the APR for the Atlas card?

The Atlas Card offers a 0% APR, meaning you will not pay any interest on your purchases. This feature helps users manage their spending without accumulating interest charges.

How often is Atlas updated?

The latest version of Atlas is 6.4.5, and it was last updated on October 30, 2026. This indicates a consistent update schedule to improve features and security.