EASY AND ACCESSIBLE

Experience a remarkable 4x greater approval rate compared to standard credit cards, making it straightforward to obtain even if you lack a credit history. Enjoy instant approval without needing to exit the app.

GROWS WITH YOU

Link with over 10,000 banks to establish a personalized spending limit that you can easily manage without accumulating debt. With a 0% APR, you’ll never be charged interest. As you continue to use the card, your limits will increase.

SAVES YOU MONEY

Save automatically at over 50,000 of your favorite spots, enjoying discounts up to 10%. Notable partners include Starbucks, Nike, DoorDash, Shake Shack, Burger King, and many more. We regularly update our list with both local and national offers.

BUILDS YOUR CREDIT

Each transaction you make helps build your credit. Our auto-pay feature guarantees you’ll never miss a payment, and you can easily monitor your credit score's progress in the app, which operates on auto-pilot. Atlas reports to all three leading credit bureaus: Equifax, Experian, and Transunion.

SAFE AND SECURE

Have peace of mind with our security measures. You can disable your card anytime for suspicious activities and benefit from complete fraud protection, a hallmark of credit cards. Atlas employs top-level security practices in partnership with Patriot Bank and Mastercard.

NO HIDDEN FEES

Enjoy transparent pricing at just $8.99 per month with no unexpected charges.

Atlas is not a bank. The Atlas card is issued by Patriot Bank under a licensing agreement with Mastercard®. It can be used wherever Mastercard® credit cards are accepted.

Rewards and credit services are managed by Atlas. The improvement of your credit score relies on timely payment behavior and is never a certainty. Various factors influence credit scores, and holding an Atlas card is just one of them.