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How does Spend Power work?

Understand how your spending limit is calculated on Atlas

Updated over 3 weeks ago

Spend Power is the total amount you can spend with your Atlas card. It's made up of three types of credit:

  • Spend Power = Secured Credit + Payroll Credit + Flex Credit

Your Available to Spend is what’s left after pending charges:

  • Available to Spend = Total Spend Power − Pending Balance

View yours anytime in the app:

  • Card → Spend Power

Types of Credit:

Secured credit

Every dollar you add to your Atlas Deposit Account gives you $1 in Spend Power. Your money earns 3% interest and can be withdrawn anytime.

Unsecured credit

This is credit Atlas gives you without requiring a deposit. It includes:

  • Payroll Credit
    Grows with direct deposits—up to $250. Once earned, it stays active as long as you’ve had a qualifying deposit in the last 34 days.

  • Flex Credit
    Based on the health of your linked bank account. It can adjust over time.

Example:

If you have:

  • $1,000 in secured credit

  • $200 in payroll credit

  • $35 in flex credit

  • $300 in pending charges

Your total Spend Power = $1,235

Now, if you’ve spent $300 and it’s still pending:

  • Available to Spend = $1,235 - $300 = $935

You can still spend $935 with your Atlas Card

FAQs

Q: Where can I check my Spend Power?

A: In the Atlas app, go to Card > Spend Power to view your breakdown.

Q: Does my Spend Power affect my credit score?

A: Not directly—but responsible use (like staying within your limit) helps build positive credit history.

Q: Can my Flex Credit change?

A: Yes, it adjusts based on the health of your linked bank account.

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