Atlas offers two flexible membership options—packed with features to help you build credit, earn rewards, and manage your finances with confidence.
Monthly Plan ($8.99 every 28 days)
Get everything you need to start building credit:
No interest charges – Never pay interest, even if you carry a balance
Atlas credit card – Widely accepted and credit-building by design
User-friendly platform – Easily manage your money through the Atlas app
Credit score tracking – Stay on top of your score with regular updates
Rewards program – Earn cashback at participating merchants
Cancel anytime – No long-term commitment
Annual Plan ($89 per year)
Get all monthly benefits—plus exclusive perks:
Save 24% compared to monthly payments
Metal Card – A sleek, 14g black metal card (replacement fee: $20)
Rent Reporting – Build credit faster with verified rent payments
Priority Customer Support
Platinum Rewards – Access our highest cashback tier automatically
Additional Fees
In addition to the membership fee, the following transaction and service fees may apply to your account:
Foreign transaction fee – 3% of each transaction made outside the U.S. or with international merchants
ATM withdrawal fee – $2.00 per withdrawal (ATM operators may also charge their own fee)
Debit card instant payment fee – 1.8% of the payment amount ($0.30 minimum)
Metal card replacement fee – $20.00 (Annual Plan members)
Expedited card replacement fee – $25.00
For the complete list of fees and terms, please refer to our Cardholder Agreement.
FAQs
Q: Can I switch between monthly and annual plans?
A: Yes! You can upgrade to the annual plan anytime in the app.
Q: Is there a refund if I switch plans?
A: If you switch to annual, you'll receive a prorated refund for your current month.
Q: How do I get the metal card?
A: The metal card is included with the annual plan once your payment is processed.