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What are the benefits of using Atlas?

Atlas makes managing money easy, helping you build credit, earn rewards, and stay in control from day one

Updated this week

Why choose Atlas?

  • Never pay interest—even if you carry a balance.

  • Build credit with a card accepted at 50,000+ locations and reported to all 3 bureaus.

  • Track your credit score and make smarter financial decisions.

  • Earn cashback automatically at participating merchants.

  • Manage everything easily from one simple app.

Membership options:

Monthly Plan – $8.99 every 28 days

  • Build credit and payment history—even without regular spending.

  • Cancel anytime with no penalties.

Annual Plan – $89/year (save 15%)

Includes everything in the monthly plan, plus:

  • A sleek 12g metal card

  • Rent reporting to help boost your score faster

  • Priority support with <15 min average wait times

  • Access to platinum-tier rewards

How to upgrade to the annual plan

  1. Open the Atlas app

  2. Go to Menu

  3. Tap My Membership

  4. Select Annual Plan

FAQs

Q: Can I cancel the monthly or annual plan?

A: Yes, you can cancel anytime—just reach out to Support in the app.

Q: How do I get the metal card?

A: It ships once you’ve completed payment for the annual plan.

Q: What’s the difference between platinum and regular rewards?

A: Platinum rewards unlock higher cashback rates at top merchants.

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