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 Your money earns up to 3% interest and can be withdrawn anytime.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.