Atlas is built to simplify credit—without the usual downsides. Here's how it stands out:
Why Atlas is different
No interest charges
Just one flat membership fee—no interest, ever.Builds credit automatically
Reports to TransUnion®, Experian®, and Equifax® every month.SmartPay keeps you on track
Makes small automatic payments to help avoid missed due dates.No credit check to apply
No hard pull, no income requirements—easy to get started.All-in-one membership
Includes credit tools, score tracking, physical and virtual cards, and cashback rewards.Accepted anywhere Mastercard is
Spend almost anywhere and earn rewards as you go.
FAQs
Q: Does Atlas require a credit check?
A: No—there are no hard inquiries or income requirements to apply.
Q: Will Atlas help improve my credit?
A: Yes—on-time payments and responsible usage are reported to all three credit bureaus.
Q: Do I have to worry about interest?
A: No. Atlas doesn’t charge interest, so you can build credit without building debt.