Name: Atlas - Rewards Credit Card
Rating: 4.62514 (23844 reviews)

User Reviews for Atlas - Rewards Credit Card

4.63 out of 5

23.8K Ratings

2 months ago, Lorforever21

Best Credit card for Life

I’ve only had Atlas for about a week now and so far they have been pretty good. They have a lot of benefits and one of the benefits I love is that they can help build my credit faster. I’m just a little nervous about setting up direct deposit with my paychecks, but I will deposit money as time goes. The best part about the depositing money is it increases your credit limit, so for example, if you deposit $500, then you have $500 credit limit. To me that’s like saying you got control over your credit limit basically. Also I love the fact I only have to spend about $90 once a year for the credit card which is a good thing and more affordable. I also love the fact that they work with you on your financials and they make payments affordable no matter what. I can see myself with them for the rest of my life. I’m actually gonna recommend my husband getting them too. Plus, Atlas gives you $5 dollars for every person you recommend their app to and if that person signs up you get that $5 dollars in your acct. You can get up until $100 worth of recommendations. Atlas is truly worth everything. Oh and one last thing, their customer experience is outstanding. They respond to you within the same day you asked a question they don’t let you wait another day or another hour they respond to you right away and they text you through your cell phone, which is a lot faster, easier & convenient, I think. Way to go Atlas!

11 months ago, MOMster727

Best second chance credit card around!

I have been trying to rebuild my credit from stupid decisions when I was 18 and ruined my credit. I have had a hard time finding any credit card company to approve me and then when I was approved it was loops and bounds just to be able to use my card. There were crazy fees and even crazier interest rates! But then one day scrolling on Facebook I stumbled upon Atlas, and boy was I happy that I did. I have been in love with this company ever since. The application process was so easy and quick, they gave me a decision right there in the spot. No waiting around for an email or a letter in the mail. The fee to open and use the account was $8.99 not $100 or more like most other credit card companies. I paid that and was able to use the card right away. It tracks and shows your current credit score right in the app so if your like me trying to work on your credit score you can go into the app whenever you want and see where your numbers are at. This has been one of the best decisions I have made! Thank you so much Atlas for giving customers like me a second chance at a credit card as well as helping us build our credit back up! At 18 I didn’t realize how important it was to have a credit score that was somewhat decent. Now 12 years later, with 2 kids I have realized how important it is to have a good credit score and it’s time I work on it. Atlas has been a saving grace in helping me accomplish just that!

7 months ago, East$1de

Atlas#1

Credit score increased within the first month or so by a decent amount. Trying to pay the balance more than half the time doesn't work. I can submit the payment 10 different times and it does nothing. Also, kind of annoying that the minimum deposit amount is $20. Maybe initially but afterwards you should be able to add any amount you want to your account. I'm a gig worker and trying to connect to any of my work accounts for direct deposit is a joke to get the immediate spending increase. I get direct deposit after every job, there is no set amount I get paid for each one and there's no option for 'whole paycheck' just set dollar amounts. The whole point is to get the instant higher spend power so l'm not even gonna waste my time doing it with each employer directly. Very plain, nothing to it other than an $8.99 membership fee with the only plus about it being that they report a $1,000 credit limit to the credit bureau even if your spending limit is only $10, which does help increase your credit. One more thing, they dont send you a card for your account until you qualify ? And recently got an email saying they were mailing me one ... I got married and had already updated my legal name through them weeks prior, and they sent me a card with my maiden name on it.

1 month ago, That Dude13

Atlas Credit Card Is The Real Deal!!!

Like most things I get emails for or see ads about while on social media I’m on high alert and usually very skeptical. However, in the case of the Atlas Credit Card I literally feel like I found gold at the end of the rainbow. The sign up process is very well put together and requires little effort. Answer some basic questions fill in typical personal info and you’re off to the races. It’s very transparent and actually full of surprises they don’t advertise. Amazing APY… phone protection up to $500 in case of an accident… car rental assistance and travelers assistance on long trips. It’s $9 a month and they take that as soon as you sign up which is actually awesome because that begins the reporting process to the credit bureaus for anyone trying to rebuild or establish credit. They start you off with a small balance but to me this actually says they give a s$!# as opposed to just giving u a huge credit line that gives people big eyes and holes in their pockets to go with it. By simply setting up direct deposit from your job thru them they will give you a credit increase. As well as a chance to double your paycheck with a weekly drawing they do. I never ever write reviews but this seemed like almost an injustice to them not to!!!

1 year ago, Negjakmel

Love it

Yes Atlas, Atlas, Atlas, this card is really lives on to its name, Atlas for real, I was having trouble finding a credit card company to help me get a credit card so I can rent a vehicle for my little business, even though I had a chime credit card, the rental company rejected the chime credit card, I had to find me a card quick, I tried to get a secured credit card with capital one, I had no success, even though I was ready to put down the $200 they asked me for, and then one day scrolling through my Facebook page, I saw this advertisement on my Facebook page, I said let me give them a try, i was kind of worried at first, I didn’t want it to be a scam, to give them my credentials then end up being a victim of identity theft, I went ahead and filed the application, and then boom there it is, Atlas is making it do what it do guys, not only I finally went and got my rental vehicle so I can run my little business, Atlas is helping me to build my credit guys, hopefully in the near future I can purchase my own vehicle for my business, I use this card for everything, I don’t use cash anymore, unless if the place doesn’t take cards, thank you Atlas, thank you, best card ever 🙏🏾❤️❤️❤️❤️❤️

2 months ago, Rachel4396

Fraud charges-No support

Had fraudulent charges on my account and it took over a week for their investigation and determined no fraud charges were made. As soon as I saw the charges I got in touch with their support which btw takes hours for them to respond to. And I personally had to lock down my own card from anymore charges being made which whoever stole my account info attempted 2 other times at using my card online. And if I didnt lock my own card those charges would have also been posted to my account. After hearing I had fraud charges on my account they never sent me a new card, and then after a week, and then only asking where my card was at during the time of the charges which was with me. Made them determine it wasn’t charged fraudulently. Do they not understand how easy it is for some hacker to get info in this day and age?! DO NOT BANK HERE! They are just some small company who gives 0 support to their clients. I’ll be getting more information from the Better Business and be in touch with legal counsels on this matter. It was like $75 in charges on my account but it’s the principal of I bank with someone who I can’t trust with my money and I can’t trust this company if they are going to sit there and accuse me of making these charges. If I could give negative stars I would. And I’ve never ever wrote a review on here ever. But this is beyond frustrating and I hope to save the next person from banking here! DO NOT DO IT

8 months ago, knacg93

Definite credit score boost

Credit score increased within the first month or so by a decent amount. Trying to pay the balance more than half the time doesn’t work. I can submit the payment 10 different times and it does nothing. Also, kind of annoying that the minimum deposit amount is $20. Maybe initially but afterwards you should be able to add any amount you want to your account. I’m a gig worker and trying to connect to any of my work accounts for direct deposit is a joke to get the immediate spending increase. I get direct deposit after every job, there is no set amount I get paid for each one and there’s no option for ‘whole paycheck’ just set dollar amounts. The whole point is to get the instant higher spend power so I’m not even gonna waste my time doing it with each employer directly. Very plain, nothing to it other than an $8.99 membership fee with the only plus about it being that they report a $1,000 credit limit to the credit bureau even if your spending limit is only $10, which does help increase your credit. One more thing, they dont send you a card for your account until you qualify ? And recently got an email saying they were mailing me one … I got married and had already updated my legal name through them weeks prior, and they sent me a card with my maiden name on it. 🤔

4 months ago, bahahahaha..............

review

have been trying to rebuild my credit from stupid decisions when I was 18 and ruined my credit. I have had a hard time finding any credit card company to approve me and then when I was approved it was loops and bounds just to be able to use my card. There were crazy fees and even crazier interest rates! But then one day scrolling on Facebook I stumbled upon Atlas, and boy was I happy that I did. I have been in love with this company ever since. The application process was so easy and quick, they gave me a decision right there in the spot. No waiting around for an email or a letter in the mail. The fee to open and use the account was $8.99 not $100 or more like most other credit card companies. I paid that and was able to use the card right away. It tracks and shows your current credit score right in the app so if your like me trying to work on your credit score you can go into the app whenever you want and see where your numbers are at. This has been one of the best decisions I have made! Thank you so much Atlas for giving customers like me a second chance at a credit card as well as helping us build our credit back up!

4 months ago, Frank from Baltimore

**Atlas Mastercard Review**

I recently signed up for the Atlas Mastercard, and I'm very pleased with it. **Easy Application** The application process was quick and straightforward, without requiring a hard credit check. **Affordable Fees** The card has a reasonable fee of $8.99 per month or $89 annually, with no hidden fees. **Credit Building** It's great for building credit, as it reports to all three major credit bureaus. The Smart Pay feature helps maintain a low credit utilization ratio by automatically paying off your balance. **Rewards and Benefits** You earn points on everyday purchases. The card also offers: - **Cell Phone Protection**: Up to $500 for theft or damage. - **Extended Warranty**: Adds up to a year on qualifying purchases. - **Auto Rental Collision Damage Waiver**: Built-in coverage for rental cars. - **Travel and Emergency Assistance**: Comprehensive support when traveling. **Security and Support** Security features include instant transaction alerts and two-factor authentication. Customer support is responsive and helpful. **Overall Experience** The Atlas Mastercard is excellent for anyone looking to build or rebuild their credit while enjoying useful perks. Highly recommended!

7 months ago, moodyboody1880

If you need to fix your credit this app is for you!

I’m 43 and when I was younger I didn’t realize how important it was Aquire and keep up your credit score. I also didn’t know how having a low credit score could hinder n paralysis your ability to have anything such as renting a apt, applying from a loan to buy a house, or even a car. I most definitely placed myself in a very tough position. Now that I’m oldest and a lot more knowledgeable about how beneficial it is to keep good credit. I’ve been doing my best to slow start repairing n building my credit n man it’s been a long road that I’ve been traveling I’ve tried all type of ways to build up my credit. Non of those help me the way Atlas has though, they’ve even got it set up to where there is no way you can’t win and it help increase my credit score more then any thing else I’ve done and in a way quick time frame. If you need help boosting your credit score this is definitely the app for you. Don’t take my word for it try it yourself.

2 months ago, Building Credit Now

Finally.. a credit builder that makes sense

So i have been struggling with my credit for quite some time.. i had some delinquent accounts that were fraudulent and or resolved but still showing up. I couldn’t get my score above a 520 forever!! Then all the misinformation got removed and straightened out and my score went from a 520 to a 4… yes like 004.. over night!! And since then i cant get a credit builder loan , a payday loan, i cant even borrow a pencil ! Then one place says .. they have to have to charge me a higher interest rate since i have no credit .. and that bad credit was basically better than none.. so your going to make me pay more to start out building credit .. than if i had already proven that cant pay my bills? So set me uo failure for something that i dont even want .. but seems like a necessity in life these days ( having credit or a good score) then i found Atlas… and wow .. thank you so much for keeping it simple !! You guys really understand how difficult it is without any options for cards or loans and have solved the problem for average joes.. and the app has so many different bonus incentives and perks and is easy to use … thank you soo much!!

5 months ago, Unsatisfied Customer1987

Would not say I’d do this again

The idea of Atlas seemed great at first. Had some nice reviews, guaranteed credit long as you kept money going in, no fees other then the standard $8/month service charge. Well I can tell you some of this is true, but they don’t make it easy for their clients. During the first 3 weeks of signing up and using the service my account was “locked and on hold” (for 2-3 days everytime) while they validated information they had from day 1. All of my information was correct, including my direct deposit into my atlas account. Still they would randomly lock my account and demand I verify my identity using an account from another bank. I’m in my mid 30’s and have had plenty of bank accounts and I’ve never had to jump through so many hoops and been so dissatisfied with a bank before. Also when they lock you out you can’t access any of your funds so be ready for that. After signing up for atlas I went over 4 weeks without access to my funds, except for a virtual card I could use online but that doesn’t help me at grocery stores to feed my kids or the gas station to put gas in my vehicle. If your credit is shot and you have no other option then maybe worth a try, but if you can avoid them, I would.

10 months ago, malexander01

Solid App and Card, But Support and Communication Need Urgent Attentiion

The Atlas Financial app is a solid performer, offering a seamless experience in managing finances. Coupled with their card, which has proven to be reliable and widely accepted, it's a great financial tool. The app's design and functionality are commendable, making financial transactions effortless and intuitive. However, the area that severely needs improvement is customer support. Currently, there's no option for phone support or live chat for urgent issues like potential fraud on the account, which is a critical shortfall. The only phone option leads to a voicemail, which is far from reassuring in urgent situations. Additionally, the support provided through the existing channels feels scripted and impersonal, which is a significant turn-off. It's vital for a financial service to offer prompt, genuine, and effective support, especially for urgent and sensitive matters. In conclusion, while Atlas Financial offers a great app and card, their lack of effective communication channels and poor customer support quality significantly hinders the overall experience. There's a pressing need for them to address these issues

2 months ago, Rev.Fox

Confusing, Dishonest, Opaque

I don’t normally leave app reviews, but I have to speak out about this one. I am trying my best to grow my credit, and the advertisement on Facebook said this app would help with that. After giving it some thought, and **trying** to read up about the app I signed up. I didn’t realize it was a subscription, I thought it was a line of credit. After paying the first month’s fee, I read deeper - yes, it’s on me for not doing the reading first, but I’m human, and I always assume the best in others. Upon reading deeper, I found the whole thing very confusing, and no easy to manage. I canceled my account. They offered me one month free, and I expressed finding the app confusing. They didn’t offer to clarify anything. When I sent the email about canceling, I expressed a desire for a refund. They just told me my account would be close, no mention of the refund. I had to send a follow up email after they closed my ticket. I got an email back two days later telling me that I should have read the fine print, effectively, and that there would be no refund. $8.99 isn’t a lot of money, but someone living paycheck to paycheck like me, that could be a meal or some groceries. Ultimately, that’s why I wanted to cancel my account - I couldn’t afford the subscription. So, thanks Mark.

3 months ago, Alex Hemmah 89

Loving it!

I’ve been using the Atlas MasterCard for a while now, and it’s been a fantastic experience. The card offers a seamless way to build credit, especially for those who may have had challenges in the past. With no deposit required upfront, it’s incredibly accessible, and the process to get started is straightforward and user-friendly. One of the features I appreciate the most is the direct deposit option, which allows a portion of my paycheck to be allocated directly to my Atlas account. This acts like a debit card while also reporting to credit bureaus as credit, which is ingenious. It’s like having the best of both worlds – the convenience of a debit card with the credit-building capabilities of a credit card. The customer service has been top-notch, always ready to assist with any questions or concerns. Plus, the card comes with the added benefit of early payday with direct deposits, which can be a real lifesaver when you need funds a bit earlier.

4 months ago, GBG.079th

Atlas

4 months ago, follow my IG Mr.1kzaeyy

It’s Litt 🔥

5 months ago, RamaadW

Great app

As a new banker, having the opportunity to review the Atlas Rewards Credit Card has been advantageous. The Atlas Rewards Credit Card offers a diverse range of benefits that cater to a wide array of customers. The key features of this credit card are designed to enhance customer satisfaction and loyalty. With a competitive rewards program, customers can earn points on their purchases and redeem them for travel, merchandise, or cash back. The card also provides exclusive perks such as travel insurance, purchase protection, and concierge services, adding value to the overall customer experience. Moreover, the card's user-friendly online platform and mobile app make it convenient for customers to manage their accounts and track their rewards seamlessly. Overall, the Atlas Rewards Credit Card stands out for its attractive rewards program, valuable benefits, and user-friendly features, making it a top choice for customers seeking a rewarding credit card experience.

3 months ago, Bunni72

Atlas the Credit Card to have.👍🏾

I was skeptical about applying for the Atlas credit card but I did and I’m glad that I did. It’s one of the only cards out there that’s honest about what they can provide you and what you’ll get with them. With my credit I was pleasantly shocked that they accepted me as a customer. I’m telling you if you want a company that is real and make no false promises then you should apply for the Atlas credit card. They help bring that terrible credit score up and report to the three major credit bureaus, you can also check your credit score right within the app itself. Not to mention the various other perks the card offer. I’d be satisfied with having this card as my only credit card and not applying for any other. It has it all and you can’t go wrong. So, go ahead and apply you’d be happy you did. I’m telling everyone I know about the Atlas credit card. Thanks Atlas

2 years ago, To_Infuriated_And_Beyond!

Only 1 star at the moment because I can’t get ahold of customer service

I can’t rate the app because I can’t get in to it! It stays stuck on “verifying info” no matter how many times I uninstall and reinstall it, the moment I open the app again it jumps to that page without me even signing in. And I thought uninstalling is supposed to delete all connected info. I have sent multiple emails, texts, voicemails as since the only thing that happens when you call their number is the option to leave them a message. They say they are available 24/7 but they aren’t ever available. I have been trying to get ahold of them for close to two weeks. Why? Because I received my credit card in the mail and ZERO way to activate it or use it. SOMEONE PLEASE CONTACT ME!!! I have an opened credit card in my name with no idea the limit or terms or anything! Beyond infuriating to say the least. And before anyone asks. Yes I have updated my phone to the latest and checked for app updates. No option to log in online either so I guess I have to report it or something? Cause this will have some impact on my credit if it’s just sitting there. Please, can someone help me? Thank you.

4 months ago, Bedialuneta

The Best Tool for Payments and Credit Building

Atlas App has revolutionized the way I manage my finances and build my credit. From the first use, I was impressed by its intuitive interface and elegant design, which make navigation easy and enjoyable. What I like most about Atlas App is its ability to centralize all my transactions and payments in one place. I can pay my bills, transfer money, and track my expenses with just a few taps. The app provides timely notifications and reminders, ensuring I never miss a payment, which is crucial for maintaining good credit. Additionally, the Atlas App offers personalized tools and tips to improve my credit score. The detailed reports and credit analyzes are incredibly helpful in understanding my financial habits and making informed decisions. The real-time credit monitoring feature allows me to see how my actions affect my score and adjust my strategies accordingly.

1 year ago, Ellasophia09

DO NOT JOIN!

I am giving one star only because I’m required to give at least one to leave a rating. I recently had my account hacked and watched as someone repeatedly tried to create virtual cards to use for unauthorized transactions. Thankfully I stopped this due to the alerts I had set up - with no help from customer service. They tried transferring $100 from my bank account and requested a physical card before someone finally responded to my pleas for help. Then my account got paused and when I inquired what was being done to fix the issue - was told they would not be reactivating my account because they could not verify my identity. No customer service. Willing to lose my business rather than admit the fraud that was committed on my account that I, myself, had to stop since they have no easy access to customer service. Took days to get a response. Still don’t know if they ever stopped the physical card but I did alert my bank and was able to stop the $100 transfer. Extremely disappointed as I was using this on a regular basis to rebuild credit and feel I’m being punished for someone accessing my information. DO NOT RECOMMEND!

4 months ago, rokk0825

Great Card

This card actually does what it says it will. The whole process was super easy and quick to apply and receive it. They started me off with a lower spend power than I expected but then they explained why and it made sense. Once you set up your direct deposit they increase it. They have everything set up to where you don’t really have to do anything in regards to remembering when to pay your balance and to actually make the payment because they take care of all of that. My credit score has increased by almost 10 points in a matter of 2 months. I don’t use it as much but honestly I’m going to start using it more often since it does help out your credit score. I recommend Atlas to everyone that wants help in building their credit score and has been denied by every other credit card. Download Atlas now and apply!

1 year ago, Hopeb757

Great for building financial responsibility

I'm really just learning all there is to the card but there are a lot of great resources linked to the card, way more than what I initially thought would be available. I think this card would be great for anyone who's trying to rebuild their financials or like for someone young, just starting their financial/credit history. I haven't had an opportunity to contact customer service so I can't tell you how good or bad that part is however, the fact that I haven't had to contact them so far tells me that if I did, I would undoubtedly get the same thorough information that I'm able to pull online. I'm still learning about the many many features but I'm definitely glad I signed up for this and I'm hoping that with this card and some changes that I'm making I can unlock even more of the benefits of it.

10 months ago, TheFlyingBassAce

Awesome System!

I really love the Atlas credit card. Regardless of what the haters say. If you’re trying to build credit, or have bad credit and trying to rebuild credit with payment history and low credit utilization, this card is it. It reports a $1000 limit to the credit bureaus regardless of what your actual balance is. So if you only have $200 deposit on the card, it is impossible to exceed 20% of your credit utilization. Pay off the card by the end of every month, and it will report a $0 balance with a $1000 limit. Ideal. This card actually gives you points back and perks. By far, hands down the best credit rebuilding card I’ve ever seen. The people complaining about the membership fee didn’t read their agreements before blindly signing up for what they apparently expected to be the equivalent of a cap one venture card.

2 months ago, AllthewayG90

!!!Satisfied!!!

**Rating: ★★★★☆ (4/5)** I've been using the Atlas app for the past six months, and I’m impressed with how effectively it has helped me build my credit score. **Pros:** 1. **User-Friendly Interface**: The app is very intuitive and easy to navigate. Setting up my account and linking my bank accounts was straightforward. 2. **Regular Reporting**: CreditBoost reports to all three major credit bureaus, ensuring that my positive payment history is recognized. 3. **Educational Resources**: The app offers a wealth of resources on managing credit, understanding credit scores, and financial planning. These have been invaluable in improving my financial literacy. 4. **Credit Monitoring**: Real-time alerts and monthly updates on my credit score have kept me informed and motivated. 5. **Automatic Payments**: The app allows for setting up automatic payments, which has helped me avoid late payments and build a consistent payment history.

1 year ago, Size 2

ATLAS IS ABOVE 5 ⭐️STARS

So this is my second time sending a review. And not because of anything negative, but because I must’ve done something wrong, to where it does not show up under reviews. And I want ATLAS to get credit where credit is earned!! Just like a lot of other apps that promise to give you something for payment of a subscription or they try and give you some type of guarantee that you’ll come out gaining only with their app, THIS ONE IS LEGIT! I am a firm believer in rebuilding Credit, cleaning my name, and having the end result of that be very rewarding. I received not one, but two and my credit rating hasn’t even changed because my account is still new and growing. But everything this app promises, you can rest of sure you will receive. You get what you pay for, and this is so worth the money and the time!! DO NOT DOWNLOAD ANYTHING ELSE

3 months ago, BeautifulBoriqua18

0 Stars - Your funds are NOT Safe

Straight to the point, yes ur funds are not safe here. There was an unfamiliar charge that appeared, Atlas at first called old but provide ANY information on the merchant in order for me to contact them which is their requirement to even submit a dispute. They then provided me with a tire distributor ( I don’t even own a car), I contacted their accounts receivable department, they gave me an email for the billing department. I send the email with the screen shots, they email me advising them is was not a valid charge made by them. I send all this information to Atlas and they ultimate response is “unfortunately we could not return your funds as the purchaser has the same credentials and it was made by Apple Pay which adds an extra layer of security”. So…no one can confirm the merchant…no one can tell me what it was for…you cancelled and replaced my card before we figured out what was going on so I can’t see the Apple transaction history anymore…and my funds can’t be returned. I will be canceling this account and taking my business elsewhere. Thanks for nothing.

5 months ago, peeved22

Nothing but regret

This is not a credit card, it is a paid subscription to pay for things with another account but here’s the shocker, the spend amount starts at just $10. Self was much much better and I wish Atlas had modeled after them. Why am I paying this company $8.99 just to be able to use $10 every month and MAYBE get an increase. What am I even supposed to buy for $10 in this economy?? It was such a waste of money and a useless hit to my credit score. This model makes zero sense to me but I can’t cancel without it effecting my credit negatively. For those of you who read reviews beforehand, beware this app. It’s a third party checking account you have to pay for. Your spend power is whatever you personally deposited and they’ll review to see if you use the card enough to get a boost, like cash app. We’d literally be better off using Borrow from Cash App or Self, things that ACTUALLY work like a short term loan or credit card by giving you a limit based on your credit. Why is Atlas on my credit if I can’t have more than $10?? Useless.

3 weeks ago, J Bizzle 480

Stick to a REAL BANK

I decided to try atlas as I liked the idea of the dynamic structure between earned and secured funds. I just opened my account in the last two weeks and even paid the $89 annual fee. I regret this decision. Atlas claims to help improve credit, however that is hard to do when someone is unable to pay their bills because their direct deposit funds, which atlas claims may be two days early, aren’t even available on their actual payday. This is unacceptable and now how a financial institution should build its relationship with a new client. There is also no way to receive immediate assistance. I’ve now been waiting on an email for a few hours. I cannot afford this kind of mismanagement. I’ve even received texts and emails saying my funds were received (early - no, payday is TODAY, and I haven’t received them, which means at this point they are LATE). If I make a late payment, I am punished. Atlas should be held to the same standard and I’ve lodged a complaint at consumerfinance dot gov. I suggest you do the same if this sounds familiar to your experience.

4 months ago, mmmmmmwqpf

Raising credit score

I’m new to Atlas and have only been using it for about a month. So far it’s been great. It was a learning curve with understanding the deposit account and payment methods but once I figured it out it’s been easy. Another thing to double check when using your card is the Smart Pay. After using your card, your balance will be automatically paid from your linked account to help with paying off balances on time. I was not aware of this at first and ended up over drafting my bank account. I have a tip position job and I tend to only go to the bank once a week or so. Needless to say, I now go daily if I know I’ll be using my card. My credit score has increased by 19 points after making my first payment. Overall I’m impressed and there are lots of perks like cash back, points.. etc.

10 months ago, modenapsu

Dramatically Improve Your Credit Score

Atlas is the perfect app for someone with less than perfect credit who wants to improve their credit score. The app is clean and loaded with tools to assist one in improving their credit score. Yes there is an $8.99 charge when you first get started but just in the first week of using the app, one will reap so much more value than $9. Literally this app will improve your credit score with just the bare minimum of effort by the user; however, if you add some deposits, direct deposits, pay some subscriptions you already pay for, etc. your credit score WILL dramatically improve at a faster than expected rate! Atlas app is one of those apps that after you start to use it you will definitely wish that you would’ve found out about it and/or began using it sooner.

8 months ago, Another let down of course

Try Atlas!

So far I’ve had a great experience with Atlas. Everything is easy to navigate and the setup process is FAST! The layout is so simply designed that you really can’t mess up or get confused about onboarding. I had tried Atlas last year when it was first rolling out and for whatever reason the system glitched and it wasn’t working in my favor; however, the owner of the app (I believe) was in constant communication with me and did all the things and more to assist me in overcoming the glitch. When it seemed like we may not get past it he took other measures above and beyond to assist me. So customer service is outstanding too!! The more you deposit the more credit line you get and your credit line is not the same as the amount you deposit. So there are many great things to come from this app!! Crystal

11 months ago, Truthteller52

Ultimate Scam

They take your money, which in my case was funded straight from payroll. They freeze your account for no reason and take all the money you have used to fund it and keep it. In order to release it you have to pay them back for money they never loaned you . Yes, read that. They want you to give them back what they never gave. If you deposited 200 dollars. They want you to give them 200 to release it. So your out of the 200 dollars and they are out of nothing because they have frozen and stole your funds . Pay for your own money to get retuned Even with proof. Believe all of the reviews that say tell you this same exact story . The good ones are paid reviews and that is obvious. They froze mine immediately when I decided to disconnect my payroll. They already had money of mine and I wasn’t allowing them to steal anymore . So they just stole and kept what they already had. This is worth an investigation . It’s got to start somewhere. Out in California living the life off of stealing from innocent people. Shame. You’ve been warned. This is a complete scam!

6 months ago, johnsicks

0 Stars/ $10 limit/ $9 monthly fee?!?!??!

I am going to file a huge lawsuit against your company. You make all of these claims of approval rate being high, of course it is! $10 limit, $9 monthly fee, makes it really a $1 limit. That has got to be the most disrespectful offer ever, might as well deny me, but obviously its more profitable to approve. If you all leave a negative mark that my account is closed, when I barely had it for 25 minutes, I found out about the $1 limit only after giving them every single piece of personal info and going through a full sign up process! They dont tell you the range of credit limit possibilities!! So most people would assume it is at least $100, which would be the least amount that is reasonable based on the fee. And their software shows I have been receiving direct deposits for only 1.5/ 6 of the last months. Impossible, and the reported income/spend is almost 3 times my income for that month that is recorded. Overall, you all have opened a grand door to maybe one of the biggest law suits ever.

1 year ago, Mmart1014

Truly a Godsend for Me

Life hasn’t been too kind to me over the years, meaning that my credit score is honestly the lowest I’ve ever seen a score. As I’m gearing up to try and move out of the parents house, I felt so incapable due to the fact that I wouldn’t be able to get a place of my own even if money wasn’t an issue due to my abhorrent credit. Atlas Credit though, they really have saved me by allowing me to build credit through them (on top of all the other phenomenal benefits that come with Atlas Credit!). While I’m still quite a ways from getting to that point where I can truly be independent, Atlas has made life soo much easier as I know I’m building my credit by just doing everyday tasks like buying groceries or putting gas! I’m so very grateful to them for this opportunity. 5/5 in my book hands down!!

8 months ago, samp sizzle

Don’t apply!!

Absolute garbage I had the account before and I wanted a new one just for security and I didn’t have my ID so they couldn’t verify my second my new account although it was already the same exact one as the last one therefore, my money was stuck on this stinking account while my son and I were stranded 2 1/2 hours away from home and I could not access my money to pay for my motel food or the car part I needed yet they kept beating me around the bush, saying to be patient. how do you be patient when you have to pay to stay somewhere when you need money ASAP here it is a week later and I still have not accessed my money. They came from my school from my hard work, because they didn’t like the way my ID looked. I hate the app and I highly highly recommend it. Customer service is the worst worst unless you like to write emails back-and-forth highly disappointed let me down made me starve almost went homeless all because my ID didn’t look as good as they wanted to although every other little thing to T was good

5 months ago, hhskkskksska

Love it so far

Hello! I'm really enjoying this app so far! As a new user, I'm excited to learn more and improve my credit score over time. Currently, my score is average, but I'm looking forward to seeing it grow. The app's design is sleek and user-friendly, with fantastic features like cashback rewards. I'm particularly interested in requesting a metal card at a discounted price. While my initial credit limit was lower than expected, considering my income, I understand the reasoning. I'm confident that as my credit score improves, I'll have access to higher limits in the future. One suggestion I have is to allow customers to access credit sooner via external bank transfer - I hope this is something you'll consider implementing! Overall, I'm loving the app and looking forward to seeing what the future holds. Have a great day!"

6 months ago, Alisa F.

Atlas gave me a start

I was truly skeptical and to be honest, still slightly am. I am a fairly new customer but so far it’s been so great! They immediately started reporting to my credit, I can start with a low amount and build up a lot faster than waiting on semi-annual reviews. It’s already helping me build my score back up after getting myself really behind after medical issues. Their customer support is great about trying to help you understand especially since this card is very different than most standard cards. I only had one complaint and that was not getting a physical card automatically and having to order one. That wasn’t made clear in the beginning but besides that, it’s been wonderful and they were able to get me one ordered without really any hassle.

9 months ago, Mick_1203

I love this app!

I was looking for something to help my score instead of hurting it. I was getting denied left and right and all I wanted was to get my credit back on track. I found atlas and got approved right away. Yea it was just a 10$ credit but over time I connected my paycheck and was making deposits to my account so eventually I got a bigger credit. I’m trying to get to the 1000$ in the first 6 months intro offer but am struggling to get my card to go on so I can instantly transfer money over to my card and use it. That’s probably the only complaint I have is that deposits take almost a full week to post and then it has the option to add a debit card for instant transfers but it doesn’t seem to work at all. Just a screen where u enter card info but can’t do anything with it?

1 year ago, Tankk tankk ;

Awesome

Life hasn't been too kind to me over the years, meaning that my credit score is honestly the lowest I've ever seen a score. As I'm gearing up to try and move out of the parents house, I felt so incapable due to the fact that I wouldn't be able to get a place of my own even if money wasn't an issue due to my abhorrent credit. Atlas Credit though, they really have saved me by allowing me to build credit through them (on top of all the other phenomenal benefits that come with Atlas Credit!). While I'm still quite a ways from getting to that point where I can truly be independent, Atlas has made life soo much easier as I know I'm building my credit by just doing everyday tasks like buying groceries or putting gas! I'm so very grateful to them for this opportunity. 5/5 in my book hands down!!

3 months ago, SultryDread

Transformative Credit Journey

I am absolutely delighted with the Atlas application. This credit-building app distinguishes itself with its unique, non-cookie-cutter design and exceptionally user-friendly tools. As someone who sought assistance in credit recovery, I found the experience to be genuinely transformative. From the moment I began using Atlas, I observed immediate improvements—it is immensely gratifying to take prompt action and witness meaningful results. The app’s interface is remarkably intuitive, rendering complex credit processes simple and easy to comprehend. Atlas doesn't merely offer advice; it provides actionable steps that are both practical and highly effective. The most remarkable feature? The tools are designed to offer a clear picture of your progress right from the start. This instills confidence and keeps you motivated. It is truly refreshing to use an app that not only promises support but actually delivers real, positive outcomes that you can both see and feel. If you’re like me, seeking a reliable method to rebuild your credit, I cannot recommend Atlas highly enough. It is a truly rewarding journey, bolstered by fantastic support along the way. Thank you, Atlas, for making credit recovery such a positive and empowering experience!

3 months ago, PAFA2710

Review

I was truly skeptical and to be honest, still slightly am. I am a fairly new customer but so far it's been so great! They immediately started reporting to my credit, I can start with a low amount and build up a lot faster than waiting on semi-annual reviews. It's already helping me build my score back up after getting myself really behind after medical issues. Their customer support is great about trying to help you understand especially since this card is very different than most standard cards. I only had one complaint and that was not getting a physical card automatically and having to order one. That wasn't made clear in the beginning but besides that, it's been wonderful and they were able to get me one ordered without really any hassle.

2 years ago, Shell Den Cam 9-11-16

ATLAS IS AWESOME!!!

I was just scrolling through my App Store and I came across Atlas and I’m so glad that I did! There are a few other Credit Builder apps that work like this one and I have tried working with one and it was a living nightmare because they were extremely unorganized and they have been around for years but Atlas has been wonderful! They are very consistent which is a pet peeve of mine, they are very helpful and kind no matter what questions or concerns you have you can expect your needs to be met and handled very prompt and professionally! If you are looking to build your credit and enjoy yourself while doing so then you should really consider choosing Atlas and I promise you will not be disappointed! Atlas THANK YOU SO MUCH FOR HELPING ME! You are WONDERFUL!

3 months ago, PaulBelcher

So far, so good!

I’ve been using Atlas for almost a month now. I have been very happy with this app, and my credit score has been going up steadily this past month. I haven’t had a single problem with the app, however I did have a few questions that I needed to contact their customer service about. I am happily surprised with the level of service I received from the initial call answering person. She easily answered all of my questions and was friendly and funny on top of giving me help. She didn’t have to pass me off to a “supervisor” or escalate the call at all- I was totally satisfied with one interaction. If you’re on the fence I’d say give Atlas a shot. They seem as good as, if not better than, the rest of these kinds of “unbanking” apps, and I’m glad I’ve tried them out. I will probably switch completely over later this summer. Thanks!!

6 months ago, @Nekquanna

My Review

I don’t have a full review due to the fact I only been using the platform for only a week. The platform will connect to your checking account. And it also have a feature to connect your debit card. Which this feature will not let me connect my debit card. I have message customer service about this issue. But I haven’t gotten anywhere with that. The credit limit Atlas started me with is $50. This is all the review I have for now. Update on my review since I’ve been with this platform. I had initially started with a $50 credit limit after having it for I think maybe two months they took my credit limit backwards to $25. I don’t use it they just collecting &8.99 off for me just to be collecting it. It does nothing for me. so I don’t have nothing good to say about this company. It doesn’t do anything for me like I said, I think you could do better with other building credit platforms. I will be canceling.

2 months ago, Caleb William

Best Credit Builder Option I’ve Found

I downloaded a plethora of apps asking for my direct deposit to use portions of my paycheck to build credit, but after shopping around Atlas is the only one I decided to give access to my direct deposits. I has a ton of great perks, bonus offers, etc all while doing what it says it will and building your credit. Points for places I already spend money at. Plus, you can actually use your money unlike some services that give you an essentially fake LOC to raise your utilization for a subscription fee. I’m looking for more utility than that, and I think I’ve found it. 4 stars instead of 5 because I haven’t received my first deposit and gotten to explore the features fully, but I will update based on my experience. Excited to start using!

3 months ago, Rece Carveres

Beyond a great app !!

When it comes to trying to build credit from either poor/bad mistakes, or someone scamming you and running up your credit it is totally hard! And you have to go through hoops and loops to find a credible and reliable credit building company who isn’t going to charge you and arm and a leg., or put you through a lot of obstacles and turn around and denied our application.,. But when it comes to this app “Atlas” is by far the best credit building app out here! Best prices for trying to help YOU with your life and Not only can it be for just that , but also getting into the right spending and saving habits., they really help you not “break you” so check them out and get your life on track.!!

5 months ago, Eric Credit Eye

Credit Expert… love it!

So I got behind on life despite having high income. I just spend more, faster, on whimsical sheeeet… such is the American Way/Condition. This is a makes-sense solution to help in a pickle, I was off work for 2 months with a medical condition… and it’s assuring to realize as long as buy into the program, “drink the koolaid”, I can use it over and over again when in pinches like it’s Tuesday and we outta TP, almost outta gas to go get some too… don’t get paid till Friday… even if I “grow out of it” it’s nice to have an emergency cash card stashed for when when “I’ll never need it” means hot date or TP… better have TP if you take her home… 🤓 buu you spent your money 3 days ago on new tires with blinging rims… lack budgeting. “Live for today American Warriors!”

2 years ago, xdMaC3o3

SCAM!

This app won’t let you close your account until you pay off the balance even though it’s all your money! They won’t let me close my account till I pay back money that I deposited into the account ! They are trying to take my money that is not theirs just so I can close my account. Also they charge your bank with no permission anytime they want and it doesn’t go through instantly. This app is not it. Please trust me don’t use it you won’t be able to cancel your account unless you pay money that was yours to begin with ! They never gave me a single $$ yet u have to pay them my balance that I deposited just to close my account. Not fair not right at all. I have to open a whole new bank account just bc I can not unhook my bank account to this card! It’s a whole scam the support teams is slow to respond and they don’t care ! Stay away. Trust. Love. These guys don’t care. Slow to respond and asking for $$$ that was never theirs just to close my account.

Description

Atlas is a rewards credit card with 4x higher approval rates than traditional credit cards. It’s designed to be easy to get even without an existing credit history. EASY AND ACCESSIBLE 4x higher approval rates than traditional credit cards. Get approved instantly without leaving the app. GROWS WITH YOU Connect with 10,000+ banks to determine a safe spending limit you can easily repay without building up a balance. 0% APR ensures you never pay interest. Keep using the card to get higher limits. SAVES YOU MONEY Automatically save up to 10% at 50,000+ locations of places you love. These include Starbucks, Nike, DoorDash, Shake Shack, Burger King and more. We are always adding national and local savings. BUILDS YOUR CREDIT You will start building credit with daily transactions. Built in auto-pay ensures that you never have to worry about missing a payment. Track your score in the app and watch it progress on auto-pilot. Atlas reports to all 3 major credit bureaus - Equifax, Experian and Transunion. SAFE AND SECURE Shut down shady transactions by blocking your card anytime. You also get complete fraud protection that only credit cards offer. Atlas is built with industry leading security best practices in partnership with Patriot Bank and Mastercard. NO HIDDEN FEES Simple pricing: only $8.99/month No other hidden, or surprise fees — Atlas is not a bank. The Atlas card is issued by Patriot Bank pursuant to a license from Mastercard®. Atlas may be used everywhere Mastercard® credit cards are accepted. Rewards and credit services are offered and managed by Atlas. Increase in credit score is dependent on on-time payment behavior and never guaranteed. Credit scores are impacted by many factors and an Atlas card is one of them.