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How do I get a higher spending limit for my Atlas Card?

Updated over 2 weeks ago

Your Atlas Card limit—called Spend Power—starts low and grows as you use your account.

What helps grow it

  • Link your paycheck — Direct deposits build Payroll Credit

  • Stay consistent — Steady deposits help increase your Flex Credit

  • Use your card — Responsible usage boosts your credit access

  • Earn points — Deposits go into a savings account that earns interest in points

With direct deposit, you can earn up to $250 in Payroll Credit over time—starting with $5–$20 every other paycheck. You only need $25 to get started.

FAQs

Q: Why does my limit start low?

A: Limits start small to help keep your credit use safe. It grows based on your deposits and how you use your account.

Q: How is Spend Power calculated?

A: Spend Power = (Unsecured Credit + Secured Credit)

Q: What is Payroll Credit?

A: An unsecured credit boost you earn every other paycheck when your direct deposit is active.

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