Win a Solid Gold Bar8Instant Approval, Unmatched Cash Back
- ✔0% APR rewards credit card
- ✔High approval rates 1
- ✔
Cash back on gas, subscriptions, food delivery, and more 2
- ✔No credit history required
Win a Solid Gold Bar
200 gold bars. 200 winners. Sign up now to enter.8
Join now and get up to
$1,000 signup bonus! 2
Limited time offer
0% APR. No late fees.
Win a Solid Gold Bar
200 gold bars. 200 winners. Sign up now to enter.8
Plus up to $1,000 signup bonus2
0% APR. No late fees.
Accepted by industry leading providers
Cash back partnership with 50,000+ locations
Traditional credit cards only approve 20% of applicants without an existing credit history.
Atlas hasover 4x higher approval rates than traditional cards and grows with you.1
The ultimate rewards credit card 3
Apply and get approved in only a few minutes. No credit history needed.
0% APR so you never pay interest
Enjoy peace of mind with no interest charges and no late fees. No hard credit pulls or paystubs required — get approved and start saving on interest from day one.
Builds your credit
We report on time payments to help you build credit history. On average, our members see a credit score increase of 50 points in the first year.4
Grows with you
We provide you a personalized safe spending limit that grows over time and with usage. Plus, our automated savings tools support both your budget and credit growth.
Accessible membership bundle
Built-in subscription manager, deposit account 5 with early paycheck access, and tax filing service at no extra cost (subject to terms), all with simple pricing: only $8.99 every 4 weeks, or $89/yr in the annual plan.6
Unrivaled perks
Our exclusive rewards program is designed to put money back in your pocket. On average, Atlas members save $1,850 per year.2
Up to 3% cash back on gas, coffee, and more
Save on everyday essentials
Up to 5% cash back on subscriptions
Netflix, Hulu, Disney+, and many others
Up to 10% cash back from 50,000+ stores
Walmart, CVS, Old Navy, Trader Joe's, and more
100% cash back on Lucky Swipes
Every purchase you make has a chance of winning Lucky Swipe bonus points
Virtual cards to easily manage subscriptions
Take control of your recurring charges and cancel with just one click
Loved by our users
This app is amazing, they approve you when others won't. They are very reasonable with limit increases and the perks they offer are pretty great! Would recommend to anyone looking for a reliable way to build credit!
Tanya C ● Washington, DC
Atlas has been a game-changer for my credit journey. I've seen significant improvements in my credit score in just a few months. If you want to take control of your financial health, get yourself an Atlas card.
Edward R ● Tampa, FL
Atlas has been nothing short of amazing. It's a great concept for a credit card and has helped me stay in check with my finances. On top of that, the team is super responsive and helpful when there is an issue!
Reya M ● Houston, TX
Atlas is truly the ultimate financial tool. It's everything I hoped the credit card would be & more! Perfect product combined with perfect company and team of professional caring people. Couldn't be happier 10 stars out of five!!!
Martin L ● Charlotte, NC
I'm learning how to build my credit and I'm so excited to have Atlas backing me every step of the way on the right path. Great way to raise your score quickly and very easy to use. Amazing customer support always goes above and beyond!
Sam A ● Chicago, IL
Your safety, our priority
Atlas is built with industry leading best practices to keep your account safe and secure.
- Instant transaction alerts
- Easily block your card in one tap
Secure two-factor authentication
- Liability and fraud protection
- In-app and email support
Extended benefits for peace of mind
Cell Phone Protection
When you pay your monthly wireless bill with the Atlas card, your cell phone is protected for the next calendar month. So, you can get reimbursed up to $500 if your cell phone is stolen or damaged with a $50 deductible.
Extended Warranty Protection
Add up to an additional year to your qualifying warranty with Extended Warranty Protection, available for purchases made with your Atlas card. Per claim maximum $10,000 and per cardholder maximum $50,000.
Built-In Auto Rental Coverage
Save money by saying no at the counter – rent with your Atlas card and get built-in Auto Rental Coverage.
Emergency Travel Assistance
Travel and Emergency Assistance available for Atlas cardholders from anywhere in the world.
Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details7
Get Started
- As fast as two minutes
- 0% APR with limits that grow with you
- No credit history needed
FAQs
Do I qualify for Atlas?
Can I deposit funds for a higher limit?
What bank holds my funds?
How does Atlas secure my banking information?
Is Atlas a bank?
More questions? Reach us at our Help Center
1 Atlas approval rate is usually over 95%, which is higher than the typical credit card approval rates reported in the CFPBs Consumer Credit Card Market report from 2025. Atlas approval rate assumes successful identity verification which is required to use the platform and services and bank account linking. See linked report for the CFPB Credit Card market report from 2025 (see page 114 for approval rates).
2 New members are eligible for a signup bonus of up to $1000, awarded as points. Must meet spend requirements in the first 6 months to qualify. Atlas bonus, reward, and cashback program terms apply. Estimated annual savings assume average card spend of $20k per year and bill renegotiation offered through Savvy. Actual savings will vary depending on card spend.
3The 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. The Atlas Mastercard is optional; you do not need to request or use an Atlas Mastercard to sign up for Atlas.
4 Increase in credit score is dependent on on-time payment behavior and not guaranteed. Credit score is impacted by many factors and an Atlas card is one of them.
5Customer deposit accounts and payments are subject to Atlas's bank partner account terms. Our bank partners are Academy Bank, N.A., Member FDIC, and Dwolla partner Veridian Credit Union. See the Atlas Smart Save Terms for details on this program. Early access to any direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Tax filing service subject to partner terms.
6 For joining Atlas, there is an $8.99 membership fee that is charged every four weeks, or $89 per year in the annual plan. Your first charge will occur immediately following completion of our identity verification process, and is due prior to enablement of all Atlas services. Because the membership fee is charged on a four week basis (and not a monthly basis), you may be charged two membership fees during a given calendar month. The membership fee includes access to a deposit account, credit tracking, and subscription manager. Full balance payment required monthly.
7 For card benefits certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details about Cell Phone Protection, Extended Warranty Protection, Auto Rental Coverage, and Emergency Assistance when Traveling.
8 NO PURCHASE NECESSARY. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. Open only to legal residents of the 50 US/DC (excl. NV & VT), 18 years of age and the age of majority in their jurisdiction of residence or older. Void in NV, VT & where prohibited by law. Sweepstakes starts at 8:00 a.m. PT on 10/29/26 and ends at 11:59 p.m. PT on 12/29/26. Includes 2 entry periods. Subject to Official Rules, including all entry methods, free entry, entry deadlines, prize details, odds, and restrictions, click here. Sponsor: Exto Inc. doing business as Atlas and Atlas Application, 600 California St, Floor 11, San Francisco, CA 94108.