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How much does Atlas cost?

Updated over 2 weeks ago

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.

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