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Atlas - Rewards Credit Card

Atlas - Rewards Credit Card

Earn cash back. Build credit.

256K ratings
4821 reviews
#30 in free Finance
💰 Finance
Free

Details

  • Released
  • Updated
  • June 29, 2022
  • August 12, 2026

Features

Developer

Exto Inc.
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Atlas - Rewards Credit Card screenshot #8 for iPhone
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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 256K 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
See all reviews
+6

What's New in Atlas

6.0.5

August 12, 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

📈 30+1

Finance

This app rose +1 position in Finance chart.

Last updated on August 13, 2026.

User reviews

Most RecentHighest RatedLowest Rated

MALO

NO USEN ESO, NO SIRVE Y NO TE CANCELAN
michelle garciaamichelle garciaa

Great Experience

Atlas has helped my credit score tremendously! I highly recommend!
BlissfulBee86BlissfulBee86

Excellent customer service!

I had a transaction that was fraudulent online. I contacted Atlas via chat through their app to inform them. I love the app because it’s very simple! They resolved the issue immediately and I had a new virtual card faster than you could say blueberry pie and a new physical card in no time. Thanks for caring about your customers! Great job!😎
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ChuttjjChuttjj

Awesomeness

Great way to increase your credit score. Definitely recommend this app. It is so worth it.
dsdjjdfjfjjdsdjjdfjfjj

Honored

I am honored to be a part of the Atlas team. I have enjoyed every aspect of this and is satisfied beyond measure. They have lived up to everything they wrote. I would recommend this to anybody who is trying to get there credit up yo par.This is a solid company. I feel safe investing money into it. Customer service is awesome. They are patient and will help you get in the right direction. Wish I knew about them years ago 💯💪🏾🙏🏾
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DaAP49DaAP49
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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.