What is Spend Power?
Spend Power is the amount you can spend with your Atlas card. It combines two things:
Unsecured credit – the amount Atlas gives you
Secured credit – the funds you deposit into your Atlas account
Together, these create your Spend Power—your total available spending limit.
Example:
If Atlas gives you $50 in credit and you add $50 in deposits, your total Spend Power becomes $100.
Why it matters
Spend Power gives you more flexibility. The more you deposit or grow your credit, the more you can spend.
FAQs
Q: Is Spend Power the same as my credit limit?
A: Not exactly—Spend Power includes your credit plus any deposits in your Atlas account.
Q: How can I increase my Spend Power?
A: Set up direct deposit or add funds to your Atlas account—both can help it grow.
Q: Why did my Spend Power drop?
A: It can go down if you withdraw funds, your credit changes, or you have pending transactions.