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 hidden fees, 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, 12g black metal card
Rent Reporting – Build credit faster with verified rent payments
Priority Customer Support – Less than 15-minute wait times during business hours
Platinum Rewards – Access our highest cashback tier automatically
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.