Atlas

Atlas is different from traditional credit cards in several ways:

No interest charges With Atlas, you never pay interest, even if you carry a balance—helping you manage your finances without accruing debt.

Credit-building focus Atlas is designed to help you build credit effortlessly by reporting positive payment activity to all three major credit bureaus (TransUnion, Experian, and Equifax).

SmartPay for on-time payments The SmartPay feature ensures payments are automatically made on time, helping you maintain a strong payment history and low credit utilization.

No credit checks to Sign Up Unlike traditional credit cards, Atlas doesn't require a credit check or income verification to get started, making it accessible for those new to credit or rebuilding.

All-Inclusive Membership Atlas operates on a simple membership model with a small fee, covering all features and benefits, including credit score tracking and reporting.

Wide Acceptance Use the Atlas card at over 50,000 merchant locations while enjoying cashback and rewards programs for everyday spending.

1. No interest charges With Atlas, you never pay interest, even if you carry a balance—helping you manage your finances without accruing debt.
2. Credit-building focus Atlas is designed to help you build credit effortlessly by reporting positive payment activity to all three major credit bureaus (TransUnion, Experian, and Equifax).
3. SmartPay for on-time payments The SmartPay feature ensures payments are automatically made on time, helping you maintain a strong payment history and low credit utilization.
4. No credit checks to Sign Up Unlike traditional credit cards, Atlas doesn't require a credit check or income verification to get started, making it accessible for those new to credit or rebuilding.
5. All-Inclusive Membership Atlas operates on a simple membership model with a small fee, covering all features and benefits, including credit score tracking and reporting.
6. Wide Acceptance Use the Atlas card at over 50,000 merchant locations while enjoying cashback and rewards programs for everyday spending.

Atlas simplifies credit building while providing financial tools that are approachable, affordable, and designed with your growth in mind.