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.