Flex Credit is the unsecured part of your Spend Power that grows as you build strong financial habits.
Why your bank activity matters
When you securely link your main bank account, Atlas looks at:
Reliable income & stable balances – Signals financial stability and helps set a strong starting limit
Responsible spending – Avoiding overdrafts and large outflows shows good money management
Consistency over time – On-time payments and steady habits help your Flex credit grow
How Flex Credit grows (up to $250)
Flex Credit increases gradually through monthly bumps. Here’s how it works:
Key Point | What it means |
Growth is gradual | Flex increases in small bumps—not all at once. |
Earned monthly | You may unlock a bump each month after your statement closes. |
Two tasks to qualify | Pay your full statement and complete your monthly task. |
Miss a task? | You may get a smaller bump—but can still earn more by finishing the task later. |
Already at $250? | Once you hit the cap, growth stops. |
How to grow your Flex Credit
Link your main bank account
Maintain healthy balances
Avoid overdrafts or large swings in spending
Pay on time and complete monthly tasks
FAQs
Q: How can I increase my Flex Credit?
A: Pay your full balance and complete your monthly task—this unlocks new bumps.
Q: When do bumps show up?
A: Usually right after your statement closes—about once a month.
Q: Can I still earn if I miss a task?
A: Yes—you may get a smaller bump, and you can finish the task by month-end to upgrade it.
Q: What’s the maximum Flex Credit?
A: Flex Credit can grow up to $250.