The Atlas Card helps you build credit and earn rewards—without interest or long-term debt.
Key features
Smart Spend Power
Your daily and monthly limits are based on your linked bank account and can grow over time.Automatic payments with Smart Pay
Atlas pays down your balance throughout the month to keep your utilization low.Monthly credit reporting
Your purchases are reported as on-time payments to all three major credit bureaus—TransUnion®, Experian®, and Equifax®.
Atlas makes credit building simple, safe, and stress-free.
FAQs
Q: Do I have to pay my balance manually?
A: Not usually—Smart Pay handles it for you automatically, but you can also make manual payments if you prefer.
Q: How does Atlas decide my limit?
A: Your limit is based on your linked bank account activity and can increase with consistent use.
Q: Does the card charge interest?
A: No—Atlas never charges interest, just a flat membership fee.