The Atlas Card offers the benefits of a credit card, such as building credit and earning rewards, without the risk of accumulating debt. Your Daily and Monthly Spending Limits are determined based on your linked bank account. We'll start you out with a certain Daily Spending Limit, which may be upgraded based on your usage.

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With Smart Pay, Atlas pays off your balance periodically to maximize credit building. This means on-time payments, low overall utilization, and no accumulation of a large balance. At the end of each month, we report your purchases to major credit bureaus as credit-worthy payments. This is how Atlas helps you build credit without overspending or going into debt.