The Atlas Mastercard is issued by Patriot Bank N.A. and 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. Lending services are provided by Atlas.

Customer 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, member FDIC.

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.

* 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 2023. Atlas approval rate assumes successful identity verification which is required to use the platform and services. See linked report for the CFPB Credit Card market report from 2023 (see page 81 for approval rates).

^ New members are eligible for a signup bonus of $10 to $1000, awarded as points. Must spend $1000 in the first 6 months to qualify. Atlas bonus, reward, and cashback program terms apply.