Some car rental transactions may be restricted depending on your account history and available Spend Power.
Because car rental companies often place large temporary holds before final charges are processed, these transactions can sometimes exceed your available limit. Atlas limits or blocks certain car rental transactions to protect you from overdrawing your account or from risk patterns we’ve seen across similar members.
What this means for you
Accounts with limited history or lower Spend Power may experience rental restrictions more often.
Certain rental vendors are considered higher risk due to past outcomes (for example, repeated payment reversals or excessive hold amounts).
These restrictions are determined automatically to help keep your credit experience safe and predictable.
If you plan to rent a car, we recommend having a backup payment option in case your rental attempt is declined.
Need help? Contact our support team through the Atlas app.