Atlas - Rewards Credit Card App Reviews

We transfer money over €4 billion every month. We enable individual and business accounts to save 4 million Euros on bank transfer fees. Want to send free money abroad or transfer money abroad for free? Free international money transfer!

No customer support. Was excited to open this account, me and my partner were using it for basic expenses for a couple months. It was added to my credit report and everything was going fine, we were getting an increase in our limit every month and making our payments accordingly. Then out of the blue I get an email that they are closing my account due to not being able to verify my identity and I have reached out to their support multiple times over the past couple weeks. I get computer generated responses that say the same thing. Can’t reach anyone to fix this issue as we would like to keep the credit line and if my account is closed will be detrimental to my credit for opening and closing so quickly. Beware of this virtual credit card!

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!

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!

Score is increasing!!!. I have had trouble qualifying for any other cards and decided to try Atlas. I did not know how this all works but it all slowly came together on my end. It has only been a couple of months and my credit score has increased each time by a substantial amount on each of the reporting agencies. Atlas really does what it says it will do, I will continue to reach my credit score goals with this card going this route, I know I’m happy!!!

Great for all credit types!. I usually don’t write app reviews, but this app is different. They approved me when my credit wasn’t the best and made the process simple and easy. The card gives you rewards and accessible ways to boost your credit limit. This card is great for people with zero to bad credit, as well as people who wish to use different cards for different things, as I use this card for minor bills such as my cellphone service, streaming services, eating out, etc. One of the co-founders and CEO, Zane, reaches out to you to get feedback on how to improve the user experience, which I think more company leaders should do. All in all, a great app for those who need it.

Must have it !. At the moment that I went trough atlas description of services I knew it was what I was looking for . CREDIT BUILDER. easy signup , after the first 2 months my credit went up significantly. I would suggest for anyone that is working on your credit to have Atlas as your partner to rebuild your credit . Easy access , the app navigate you trough the process , spending habits that need to be improved, credit score analysis , financial tips to help you grow your credit , everything that you need on the app . Thanks Atlas for provide a outstanding customer service and management.

You must join!!. I stumbled upon Atlas one day scrolling through Facebook and boy am I glad I joined! Not only is sign-up easy, it helps your credit out instantly. Growing you spending limit is super easy and also gives u sense of accomplishment when you notice the limit has been raised! The customer service staff are AMAZING and easy to deal with. This Rewards Credit Card is one you won’t be disappointed with. If you haven’t signed up for Atlas yet I HIGHLY SUGGEST you get on that today!

Joke. I was using this for a few months with no issues and randomly they ask for identification verification. I sent the info they asked for and it said it would take 2-3 days to verify. A week and a half goes by and finally I have to contact them about what the issue is because it was stuck on “verifying info” and couldn’t do anything else in the app. The response I got was that they were unable to verify my identity and they are canceling my account. There was no Info about why they wouldn’t accept my ID nor did they contact me personally to at least let me know or try and resolve whatever the issue was. They just closed my account. This is pretty shady and a little ridiculous.

Loving it. Atlas so far has been great. I did have a problem recently with a payment but it worked out. The only downside I don’t care for regarding Atlas is the customer support, I want to actually speak to someone when I am having a problem, like I did above regarding my payment. I did chat with someone that took a few days to respond. But they DID respond and kept me updated. It’s just when it comes to things like money and payments, you want to speak to someone and get it right or clarified right then. Another thing that is a downside is to get the really good deals on cash back and points you have to have tiers, which is understandable but why must I put in $200? Why can’t the amount be less than that? If they get actual phone support and lessen the amount to put in for tiers it would be an amazing app! But overall I enjoy Atlas, the points and cash back. GREAT JOB

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.

Best on the market. If you haven’t already then you need to hurry up and get this app. Atlas is heaven sent. I love this card it has given me more financial freedom than any other card. Lots of cards make promises only to see no changes but with Atlas you will see what this credit card that actually builds your credit can do for you. Although I’ve only had it a few months this card is one of the best out there. They offer cash back on thing you buy everyday and the rewards point scale is amazing. I’m grateful to have stumbled across a rare jewel.

Amazing app. At first, I was skeptical about this app because I didn’t think such a thing existed, but it does. I’ve had this app for a few months now and it has helped me in so many ways, but mainly building my credit. Whatever I use on my account, the payments get automatically taken and every month that payment history gets sent to the credit bureaus. You have the availability to add more money any time you want and you can also earn cash back, points and much more towards cool stuff.

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.

Rebuilding Credit With Atlas = Excellent. As someone with some debt and poor credit rating, I was really hoping to find a reliable solution to get back where I want to be financially. When I came across Atlas, I will admit I was skeptical at first because there are a lot of apps and vendors out there that make some serious claims, fortunately I have found that all the claims Atlas made were true. The secure card allows me to spend responsibly while rebuilding my credit and also get cash back through various vendors. Also if you connect your direct deposit they will bump your credit line even more. Would definitely recommend this to anyone looking to better themselves financially.

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!!

Nice useful app. When I first started using Atlas I was frustrated. It takes a while for your money to show up in your account. And it takes a while for someone to respond to you. You can’t close out your account right away if you wanna close it. And you can’t use it to pay your rent which is also still frustrating. However it’s a pretty good app. It reports to the credit bureau my score went up over 60 points, I’ve been using this for app for about 3 months now. The app will reach a 5 star from me once I’m able to use it to pay my rent.

Already impressed. I’ve had such a hard time getting a credit card, just trying to rebuild my credit. This card was approved in literally seconds. It is great and the app is so easy to use to keep track of everything. Love that it helps me to track my spending too!! It has a tiered reward program that helps you earn money back on almost anything and everything. Even websites and companies I’ve used Id never expected to see on those types of rewards programs. I definitely recommend this card to everyone I know and even those I dont. If you’re hesitant please don’t be. It’s definitely worth it.

Don’t do it!!. They take out whatever money you spend the next day , so if you need time to pay it or until payday it won’t be much help. They say they report to the credit bureau’s but I’ve had them for almost a year and my in time payments with them never show up. Whatever money you put into the account is what they’ll allow you to spend and only twice have I gotten a $5 increase to my credit limit which isn’t anything at all for being a customer for almost a year. Once they take this last payment I’ll be leaving as a customer. Save yourself some time and go with a nice secure credit card with a well known company. Do your research and build credit with them. When I had Self credit it was much better I mite go back to them.

Atlas Card. I’m new to the Atlas, but so far it seems pretty legit I have used Credit Builder apps in the past and all they end up doing is just costing you money and barely building your credit Atlas has lived up to its standards immediately provided me with a balance that I could spend immediately with a virtual card and continues to update its perks as I use the app I will recommend the Atlas for building credit for people that have really bad credit like me.

Best credit app!!. I love Atlas!!! At first I was a little skeptical about it because I didn’t take the time out to learn how the app worked. I started out with $8 credit which then went up to $10. I didn’t think anything of it. I started using the small amount for Uber trips and that’s when I noticed I kept getting increases on my credit limit and my credit score had gone up 30 points. My current credit limit is $25 and that’s only from using the starting credit Atlas gave me. The more you use the app you get points which in turn turns into credit limit. I have yet to make a deposit of my own money but after these results from my points alone, next paycheck is going to the Atlas app deposit!!!!

Best Card to build credit. I love this card! It takes money directly from my check and I have access to it 2 days before my check hits!!! They also extend you credit but they are careful to confirm that paying off your card doesn’t become a hardship. I can rent cars and get hotel rooms because it’s not a debit card. Definitely worth it because they report to all credit bureaus and I never worry about missing a payment. THANK YOU!

Where do I begin….. I was skeptical about this at first. However I have to say it truly is an amazing service and is dedicated to helping everyone out! I may have started with a low spending balance but I can build it up every month on top of adding a deposit to it as well to increase my spending balance! Already made an impact on my credit score as well!! After 1 month! Can’t wait to see what the next 2 months hold and will give an update but so far I’m absolutely in love!! Thank you Atlas!

Best Second chance card. At first when I saw the ad for Atlas I was suspicious and clicked anyway and just downloaded it before reading what they were about. Once I knowledge myself I felt a lot more comfortable to set up my personal Info… since getting this card and using little credit spend my credit has gone up! I’ve been trying to work on my credit since a splurged back when I was 18. They have helped me improve!

It’s a definite scam. Don’t listen to the 5 star reviews they offered $5 for a good review in the App Store so those are liars or their staff. It’s a definite scam. And my lawyer says if they don’t close the account after I told them to and try to charge me or report it negatively to my account that I have grounds to sue. So I’m just waiting for them to try that angle so I can sue them for refusing to close the account. Customer Service is terrible. Takes a week for them to get back to you. Then when you respond it takes another week for them to reply. There’s no contact number and since I decided I wanted to they decided they wanted me to pay a balance off that I deposited. Nowhere in the history of a secured credit card do you have to pay off a balance that belongs to you.

Great idea, needs a lot of work. I think this card/app has a lot of potential & will help raise credit scores but the company is clearly still in the beginning stages. App is not the most user friendly and often crashes. Also, debit card payment feature still does not work ( unheard of third party process won’t verify banking account). Also no live customer service or phone number to reach an agent And it’s takes about 2 days to get a response via email/message. Company doesn’t allow fraud/transaction disputes. Youre not allow to withdraw any money you add to your saving account so BEWARE. Very disappointing at this stage.

Love Atlas, highly recommend. If you have bad credit and want to boost your score, or just want to boost your credit score try this app! Doesn’t matter what your score is they help you by reporting to the credit bureaus and they base your spend amt on your banking history. It’s got auto pay so it automatically pays your balance off (if you want it, you can disable) each week and reports that you have low credit usage which is great at boosting your score. You’ve got nothing to lose, I can’t recommend it enough

Giving Atlas a chance. I came across this app and decided to give it a chance on improving my credit. Beside the membership fee but Atlas had kept their word when it comes to improving your credit within a month my credit score jump 35 pts I went from 535 to 605 within a month. I’m deposit $20 every week on my card as my savings to keep my score up and keep it their ad an emergency the wonderful part is that my spending more will increase as im saving. Thank you for helping people like me.

GREATEST CREDIT CARD. this app can be used for any credit and any situation. It is the best invention for anyone wanting a credit card. You get rewards, can make a virtual card for single, 24 hr, or use until you delete it in the app. You also can add as much to your account to boost as you want credit for as a secured credit card. You have the maxed credit card with little or no credit. But that is just on top of what you get credit for from your bank statement that is linked.

I love this app seriously 🥰🤩. Honestly I was in a deep hole with my credit score a few months ago. I was looking high and low for a something that would help me rebuild my credit score back up and I ended up finding atlas. They start you off with a decent amount like $25 and then as you make you monthly on time payments they add more. It actually sends you credit reports to the bureaus. I’ve seen my credit score move up over the last twi months of me having them as a rebuilder( opened my account in December and seen a difference pretty quickly.💯). I’d recommend this app to those who’s really trying to fix there credit score with out the extra issues. This app is for you!!

Great App. I give the app a 4 out of 5. It is Awesome that the app is very useful, definitely easy to use. "Atlas has been a game-changer for my credit journey! The user-friendly interface and helpful features make it stand out in the credit builder app realm. I was ready to give it a solid 5 stars, but unfortunately, the hiccup came when I couldn't integrate my work funds account, which doesn't follow the traditional checking route. It's a bit limiting as my income flows into a more lucrative account. Despite this setback, I still love the app for its simplicity and effectiveness in building credit. Almost perfect, just hoping for more flexibility in future updates. ⭐⭐⭐⭐ #CreditBuilder #AtlasApp #EasyToUse"

Great App. So I’ve been using the app for a couple of months and I’m so happy I’ve found it. I’ve already seen an increase in my credit score. I was a little skeptical at first because I didn’t understand house to use it but it’s beginner friendly and you learn along the way. Plus there’s tips and tricks built in the app to guide you on its use. It also lets you know via email and push notifications when reports are sent to the credit bureau on how you’ve been utilizing your account with them. I love that.

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.

Unlike any other. I’ve been using Atlas for about 4/5 months now started off with low credit, which is great for me. I like to spend money, as my husband says , I’ll buy a bag of rocks just because, and I have!! I control my spending amount, so I can’t over spend I’m more conscious of what I’m spending, which is awesome, I now pay attention to what I spend, which I’ve never done before. Needless to say working on my credit for this card is awesome.

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 🙏🏾❤️❤️❤️❤️❤️

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!!

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?

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.

I do not recommend. I thought this would be a great service to get my credit back on track. However, the entire sign-up and support from Atlas has been terrible. I get to the point in account creation where I have to verify my email. The email verification comes through, when I click on it I’m redirected to page informing me the link as expired. I thought I can sign in my email and password to trigger the email verification but when I do I get this message, “Error: The user account has been disabled by an administrator.” I emailed support and I was told troubleshooting was done on their side and I was instructed to try to sign in again. When I tried the error message still was there! Eventually, I asked if it’s better to do account set up with a different email address. The representative suggested that I try. I tried a different email and got to the point where I enter my financial information. Once I entered my financial information, the continue button doesn’t move the page forward. I went through the application on my iPhone on Safari browser and on my Windows computer on Firefox browser the same issues continue. I would not recommend this card due to Atlas being unable to resolve this issue.

Still in disbelief how amazing that was. I’ve been trying so hard to get a credit card with no history at all except for the fact that I pay all my bills on time all the other places took less than 5 secs to deny me while Atlas got me approved in what felt like 5 seconds I’m still in disbelief that I have a fully functional digital credit card only 5 minutes after downloading the app. I was over the moon bc I was expecting it to be too good to be true but really it’s just soooo good.

Be careful when funding account. Be careful when funding this account I funded it $200 thinking OK cool I will just use it for my gas well right after I funded it and asked for me to upload a picture of my ID I had recently lost my ID so I would have to order a new one which will take 7 to 10 business days and I understand the reasons why I need to verify ID but you should be allowed to refund the money that you just put on there back to your account. They do not do that and I did not have the gas to get to work and I lost a very good job, it seems like everyone I talk to just you copy and paste messages and that’s it. It could be a great app could be a great card. It could jump your credit score a lot I don’t know all I know is that they caused me to lose my job or I guess you could say I caused myself to lose it because I should always have my ID, but it was the fact that they wouldn’t refund my money until my ID came in but it’s OK. Life happens I guess.

Excellence in Product & Service. Beautiful user interface and easy to navigate and understand. Atlas is a great tool to properly budget and to reign in bad spending habits. It is a great way to build credit while earning points, prizes and peace of mind knowing you won’t over leverage yourself. The cash back % on everyday services and subscriptions are excellent. If you have any questions about the app or your account, it is super easy getting in touch directly with customer support. They answer promptly and have a very knowledgeable and professional staff. I love this product!

Great card For Building and Growing Credit. This card is a game changer as a individual who is rebuilding credit. The unequivocal support and credit line increases are unmatched. In as little as a few months I received my first credit line increase. My card reported in 45 days of initial enrollment. All 12 of my siblings have this card. We are extremely grateful and the positive impact has opened doors for many other things such as my auto loan and my three other cards.

Highly Recommended!!!. I was hesitant to try Atlas because my credit was not the best. I signed up and instantly got approved. It has been the best decision I’ve made financially for a while, especially for my credit score. My score has jumped more than 30 points since I started with them back in January. They don’t penalize you if you can’t pay every day, they just wait until you have money. Highly recommended for anyone just starting out or trying to rebuild.

Great way to start on credit building journey. Amazing that your own income you already receive from a job or benefits is easily translated into a line of credit that can be used via a secured credit card anywhere MasterCard is accepted. AutoPay options prevent missed payments so payment history remains in good standing, which is a major part of your credit score. Also helps with credit utilization and credit mix. Process was effortless and cost is less than 10 bucks per month. Highly suggested if trying to build credit and you have a steady income...

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!

At LASSSSt , but surely never the least ✨😭. I absolutely LOVE this app . I first came in contact with the source from incorrect grammar and psychology mix ups. Ended up applying for a membership and a 1k card only to find out it’s points I earn. Even then point turn into cash and this app has almost 6 plus credit building , money financing , tool saving , resource finding sources in this app and I love every last bit of them! This app has been such a huge help within the first 10 -20 minutes of usuing it and getting everything connected ! I would LOVE to continue this journey and see how much progress the app brings along. Such a great pathway created ! I love this! ATLAS ✨‼️ -@Jada_Lael

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!

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

Credit improved in a month!. I’ve been using atlas for a month now, and I appreciate the ease of the app (a lot). Now that I’m older and a bit wiser, I’ve only been using the card for train tickets when I have to go into the office. I appreciate the ability to increase your credit through deposits and the like, but mostly I appreciate the automated payment back to the card. Highly recommend this card to rebuild your credit if you ruined it in your 20s like I did. Within a month my score went up 40 pts. Definitely sign up!

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.

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Fraudulent Company. Deposited $600 to the Atlas Savings account to pay my bills. Immediately the money was withdrawn from my Bank bit when attempting to use the card to pay my bills my transactions were declined. I was asked to complete a verification that included uploading my id and allowing them access to my location on my phone. After being verified I was allowed back in but again my transaction was declined. When I contacted support for assistance my account was suspended and I no longer have access. This is just an attempt to steal money from people trying to rebuild their credit.

Love it, credit building!. I’ve tried multiple credit-building solutions, but this app stands out for its simplicity and effectiveness. The user interface is intuitive, making it easy to navigate through my credit reports, and the personalized tips have been a game-changer. In just three months, I’ve seen a notable improvement in my credit score. Highly recommended for anyone serious about building credit!

Just When You Thought You Couldn’t Get Approved. Super easy application process! Approved in a few minutes! If you are a gig worker or self-employed, don’t be afraid to apply. This card will start you off with a really low limit that you can grow over time by paying your balance in full every month and even adding a security deposit if you want. Give your credit and lifestyle a boost!

Scary that your money has no contact. Absolutely ridiculous service my credit score went up in the first month and then down a significant amount of points but I get a notification from Atlas that my score went up, but it actually went down. I find it terrifying that you cannot contact anyone I reached out customer service with no help and now for Yesterday for customer service and got a message that they’ll be back tomorrow. Super cool that they can take your money. No problem but there’s no way to contact anyone. This is absolutely ridiculous. Please don’t get this card. It’s just not worth it.

Not Impressed so far. I have the app got the card added money to it and made my first payment!! I’m confused because it takes forever for the payment to show even though it was taken from my bank account a week earlier . Also I tried to use my card at a major store only to have it say unauthorized even though I had money and an activated card. It takes forever to get a response to a question and forget calling the number in the back of the card . It is a flip of the coin whether I will continue to use this app!!

Loving the card. With out a doubt this card was the best decision I made. You start off with a low credit balance but over time, it will increase. I personally had my card for only 2 months and watched my credit line double, and they help with building credit for those who is having trouble establishing credit. I recommend, a must have.

Good way to turn credit around. I just started using this app, and have already been notified that my positive usage has been reported to my credit bureaus, and as such, I've seen a 5 point increase on my credit scores already. If you want a great second chance card, with low fees, you're in the right place! Get yours today, and get yourself back on the right track for great credit!

ANNOYED. If you wanna wait 17hrs for a response from customer service, be my guest. If you wanna send messages that are being read and not responded to, be my guest. This will be the downfall of this company. Inquired multiple time to verify my ID (something they do often) and it took 17 hrs for a response. Now, as i am trying to rectify the situation, the CSR is reading messages and not replying. Like how unethical is this. Seems like a good company, HORRIBLE customer service. They dont wait 4 hours to take your money, why am i waiting 4+ hours for a simple responde.

They are racist. I am a legal migrant in the United States and I am looking for the fastest way to start my credit life with this bank. Pay for my subscription and my card will arrive. Everything was going well until a week later my account was suspended. At first they only asked me for my bank statements and then they asked for my ID. It turns out that my ID given to me by the US government does not work for them because I am not an American citizen. Not even the largest banks in the United States require you to be a U.S. citizen. They just want you to be really legal here, but I see that this bank is racist and they only accept American citizens.

Seems promising. No didn’t do this review because they offered a few dollars. Im here to give a positive review for the potential of this app and its way of giving to those that struggle with credit. I’ve been up and down with credit to the point i meed to establish again. This app can lead me to that success. Let’s not forgot that this is a great way to have a checking acct without dealing with big wig banks. Give it a try. So far seems promising and im digging it

Genuinely helps with credit score. At first I was nervous and didn't think this would actually help but it really does!! As long as you're paying the amount used back on time it really does help increase your score! Payments are quick and credited very quickly which makes it easy to continue to use! Definitely would recommend.

Atlas helps you be responsible with your credit.. Atlas is the most convenient credit card I have. It’s pay back feature keeps my balance from running away from me and I’m always able to use my credit balance responsibly. The virtual cards are quite possibly a game changer for me, this world of subscriptions is crazy! I’m very happy with this card - real review from a real person in Miami, FL

A ridiculous Wait list!!. I find it very ridiculous that they advertise product and want people to signup but they put you on an undefined waiting period. While others get access apparently to use their product and help rebuild their credit. Like what a waste and a huge sense of false advertisement. A wait list!! Like seriously get your business professionally together before you start promise things you can’t deliver to customers. If you need to put people on a wait list, then you weren’t ready to start your business like you thought. Waste of time and a free download for nothing!!

Disappointed but not surprised. I canceled my account while I prioritize some other things, and I asked how I would be getting my money back. The representative canceled my account and did not send a check or offer a refund method that didn’t seem sketchy. I think they offered PayPal, but it was a little bizarre to me that a financial institution was unable to refund back to my original payment method or cut a check. I attempted to log in and received a message that my account has been activated. I planned to return to this service, but this interaction has really spooked me.

Atlas Master Card. I’m really not one for reviews but, when it comes to Atlas Master Card it’s a no brainer and ultimately a game changer. The second, third etc chance one needs to correct one’s credit issue without going into debt. The fact that it helps me increase and restore my credit using my own funds without fear of failing again is simply both a no brainer and game changer all in one!

Amazing app. I couldnt be happier that a friend of mine sent this link (sayl174 ). He thought is would be a helpful tool especially with me working on repairing my credit score and wanting to get a place of my own. Having a low score isn’t helping me at all, once i downloaded the app its been so much more easier, less stressful and alot of other ways to save on money, time, and headaches.

Best app to build credit. So far there are many apps to restore credit but this by far has given users the opportunity for hope, I’ve seen it reflecting on my report reflecting positively. It also has other features that is helpful for the user, so much useful resources at the users disposal I’m actually happy I’ve download and started using the app. Would definitely recommend.

Excellent, only a few minor complaints. This has definitely helped my credit. The app is also incredibly easy to use. My only minor complaints would be: - the spending power is a little ridiculous, they advertise much higher spending and then gave me and still have me at $25, when I get almost 2K deposits every two weeks. - I don’t like the daily smart pay. I wish there was a weekly option. There have been a time or two I was super low on cash the day before payday, but because the money was there, Atlas took it for the daily pay. It will ask when you want to pay but it absolutely doesn’t matter, daily smart pay stays on. Weekly would be so so much better- especially if you’re just giving $25 limits.

Couldn’t Ask For Better. For people who need to build or rebuild their credit, Atlas is where you need to start. The perks, points/cash back offers, the ease of increasing your credit limit, savings that are offered on multiple things, such as cellphone, insurance, and more. Customer service, also an A+. Anyone who I’ve talked with, they go above and beyond to insure that you are satisfied with their product.

Great!!. I think Atlas is absolutely awesome. The fact that it’s an actual credit card and doubles as a credit builder is great! But I like the most is that your limit grows the more direct deposit yet and the more payments that you make on time it forces responsibility for people like me who are great with this credit thing! I can’t wait to see what Atlas does for my credit!!

Give It A Shot!. I was honestly very skeptical at first because it seemed too good to be true, but I actually really enjoy using Atlas. I like how the credit limit is lower. That way you were not tempted to overspend or max out a credit card and that every day smart pay is definitely a plus. This is different than your typical credit card but I guarantee you will not be disappointed.

Great rebuilder for a better long term credit life. The card has been great so far. I actually don’t use the card, I do an automatic transfer biweekly when I get paid and just ignore it. I’m using it as a savings account, emergency fund, and it’s helping to increase my credit score at the same time. I’ve been getting the alert from Experian and I’ve increased 20 points in about a month. It’s a great card and a great concept.

Good App. My score has gone up 35 points since using atlas so far. Having this card has made me more reliable as far having my credit in good standing goes. I have 3 credit cards now. Never would of thought my credit would be so good now. Thanks atlas for everything you guys do. Great card for people trying to build their credit!

Fantastic. The Atlas Credit app is a fantastic tool for managing your credit health. With its user-friendly interface, it's easy to navigate for both beginners and experienced users. The app provides real-time credit monitoring, keeping you informed about changes in your credit score and potential fraud. You can track your credit score history, set goals, and receive personalized tips to improve your creditworthiness

One of the Best Apps. This app is great just by downloading the app and linking your bank account you can instantly get approved for a credit limit without any credit checks. And the best part about it is they will report to Equifax, TransUnion and Experian. Very easy to use and there’s always someone ready to help if you have any issues which is very helpful. Thank you Atlas team.

Great service and system for building credit. app can be used for any credit and any situation. It is the best invention for anyone wanting a credit card. You get rewards for making purchase and weekly giveaways . You also can add as much to your account to boost as you want credit for as a secured credit card. Definitely recommend to anyone wanting build credit !

Super helpful in credit rebuilding. This app is great. My credit is low right now but I need to rebuild my credit—-this app is giving me that chance. It’s secure and I’ve been able to verify income and link it as a payment method for all my subscriptions which I was already paying for and not getting rewards for. The daily pay option is great so my utilization stays low. It’s easy to use and has great perks.

Thanks for giving me a chance. A amazing card that allows me to feel like I have a actually credit card. Due to my credit I don’t have any credit cards. It’s very hard and I get turned down but atlas gave me chance. Easy pay back option comes right out of your checking account without worry about pay it back or how to pay it back.

Atlas the credit card app that does it all!. Love love love this app. It not only allows you to get a start on building your credit it also allows you to monitor your credit scores daily. Another feature that I love is the offers for discounts on online purchases to our favorite retailers. Very sophisticated and helpful group of customer service individuals as well.

New Journey…. Saw an ad of Atlas through Facebook,and after carefully reading up on it,I decided to download their app,and sign up,I have a few credit cards on hand,but if all goes well with Atlas I’ll be closing them,I’ve been browsing through the app since I’ve signed up just to get a clearer picture of it,and so far I like what I’m seeing…also for just $8.99 a month? You can not beat it for the benefits you get!!

Get this app!!!. One of the best. It keeps track of your credit score, so you can easily monitor it. It reports to the credit bureau. It automatically takes money out of my account to pay the balance so I don’t have to worry about sending in a payment and the balance is always paid and you can use the funds right away.

Best credit card app I’ve seen in a long time. Yes I love your app and card everything is so open and straight forward and I have some pretty bad credit and you all still approved me with no high security deposit and without a bunch of questions I simply filled out you form paid the $8.99 to activate my account and that was it. Thank You for believing in me and know that this bill will always be paid I love You Guys

crazy good!!. At first i was hesitant and didn’t expect much from this app, i expected it to be like the many others i’ve tried in the past that failed to work for me. this app is no joke!! the point system is a super solid bonus and the app is easier than my actual bank account app! 10/10 do recommend this to anyone with poor/no credit.

10/10 recommend!!!. i love this app!!! everything about it, from signing up to getting started & jumping right into saving & earning rewards is super simple & easy to understand!! not like those other apps that aren’t what they say & just plain difficult to navigate thru. only thing i would’ve changed, is finding out about Atlas sooner than i did!!!

Im Definitely Happy I Chose Atlas. I was definitely expecting this situation to have some issues and bumps in the road! But it has been the COMPLETE OPPOSITE! I actually enjoy the app and the way the process is set up. The perks that are set in place, make it more then just trying to better your credit!! Ive already had improvements in my credit score and ive had the app only 26hrs! Its pretty great and so are the employees that help and encourage us!

Atlas is there when nobody else is.. Ive been having a hard time getting approved but Atlas made it easy to get approved. I’ve had my account for a few months now and it’s been a major help for me and my credit file. They started me with a low “limit” (though it’s reported as a high limit on my file) and it slowly changes but that’s fine with me.

Easy to use, very user friendly. This card is great! The application process was smooth and I love the way that they are set up. Easy to make payments and very user friendly app. The smart pay feature is also great to make sure balances stay low and no payments are missed! Highly recommend for anyone looking to build credit in a secure way

Amazing!. Atlas is a great app! It affords you the opportunity to access funds by way of credit card if you are a bit short before payday. Then you can set your repayment date to your payday to pay off what you’ve used and reset your credit limit at the same time with building great credit! I highly recommend this credit card for anyone! It’s truly amazing!

⭐️⭐️⭐️⭐️⭐️ from a real person🙋🏼‍♀️. Guys — There’s no catch. No hidden fees. No surprises….well that is, unless you’re counting the surprisingly fast rate at which you’re going to see your spending power grow🙌👏👏 If you’ve been denied in the past by other credit card companies, or if you’ve fallen victim to approvals that are bound by the condition of a ridiculously high interest rate, it’s hard not to lose faith. Luckily, you’ve come to the right place: Atlas. With these guys you're gonna get exactly what you see, sans all of the usual credit card sales gimmicks. Totally worth your time to download this app and get started today on your path to a better credit building experience today!

Awesome for beginners. I started using atlas a couple weeks ago and at first I was a bit sketchy. I started making small purchases to see how it works and so far it looks great. I like that it automatically adds money when your limit has gone down. It helps a lot if you are a busy person and forget. Although it should give a warning first or allow you to set up autopay yourself. That is the only problem I have with Atlas.

Atlas. Atlas is giving me everything I need to upgrade my credit! When I first seen it, I was skeptical but now that I have it and I’m using it. It is amazing. It’s helping me build my credit and also helping me save money. This is the first credit card that I really am enjoying and it’s teaching me how to manage my money I suggest anybody with bad or no credit apply for this credit card.

Easy and straightforward!. This app has been one of the fastest at setting up my account and getting the ball rolling. It is very easy to navigate, it basically walks you right through it until the very end. There’s lot to explore many ways to grow your finances and stay on track of your money. I do highly recommend signing up!

Credit rebuilding. I’ve been struggling with debt since my divorce this year. I didn’t want it and went into a dark place during. Wanted it over so agreed to anything and everything. Spent so much money on things trying to make myself feel better and ran up a lot of uneeded debt. I’m using the card now to climb out of the whole I built and it’s been a huge help!

You need this card!!. Love this card so much! I have had this card for almost 6 months and credit score has went up!! Once you use the card to the amount you charged is taken out of your checking account within a few days. The app does it for you so you don’t have to worry about it. If you have any doubts…don’t! You need this card!!

Atlas gave me a second chance. I’ve been working in repairing my credit score for a while but didn’t think anyone would approve me for a line of credit for a while longer. Randomly found Atlas and gave it a shot, and I’ve been happy ever since. My favorite feature is actually the temporary cards you can create for free trials and stuff.

So far I love it. I have only been using for a few months. My credit score has went up 30 points! And that’s with limited usage. Now I’m starting to explore more of what Atlas can do if you utilize all the features on the app. I’m going to use it more and I’m sure it we’ll help as I am rebuilding my credit. Give it a try. You won’t be disappointed!

Atlas Credit Card. This was an absolute god send! I am so glad I stumbled upon this on Instagram! Easy approval process and the features sets its members up to win in the credit game from the jump- with everyday purchases you can build credit and earn points and cash back. I love the simplicity of the credit builder program and the abundance of perks and benefits that Atlas provides. :)

Finally able to rebuild my credit!. Super shocked I got approved. Honestly don’t know how well it works cause I just made my first deposit a little nervous, but we will see so far it’s been ok I do have a small complaint on how long it took to get my identity verified after my money already deposited but it’s their now just waiting on my card to arrive. I will be keeping this updated! ☺️

The credit building app that works !. I’ve tried several apps to raise my credit score along with secured credit cards until this application believe it or not none of them worked. Some of them have even lowered my credit score. Since I’ve been part of atlas, my credit score arose 71 points in four months and I am cannot make that up. I am so thankful for finding this app. Everyone should give it a try!

Fantastic App to rebuilld your credit and rebuild your life!. Atlas makes it effortless to repair the damages and the wreckage of our past financial blunders! There are so many ways on which Atlas guides you through the ins and outs of how to build credit in a healthy way, while teaching you exactly how credit works and why it’s so important! Learned more about credit in a day on the app than 8 years of school!