Credit Made Easy

0% APR and up to 5x higher approval
Safe spending limits that grow with you
Save $1,850 every year on average
No credit history or income required
Thank you! You are on the waitlist. We will follow up.
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Traditional credit cards only approve 16% without an existing credit history

Atlas has up to 5x higher approval
rates and grows with you

How it works

Takes less than 2 minutes to apply and get approved

Connect your bank to get a spending limit you can afford

Set up autopay to never build a large balance

We report on time payments to all three credit bureaus

Watch your credit score build while getting cash back and perks

Why people love Atlas

Builds credit and grows with you

0% APR

Safe spending limits that grow over time

Easy way to build credit history

Full liability and fraud protection

Saves you money everyday

Virtual cards to cancel subscriptions with one click

Up to 10% cash back from top stores

Built in bill negotiation

On average Atlas users save $1,850/yr

Easy and accessible

No hard credit pull, paystubs, or other hoops to jump through

Simple pricing: only $8/month

No hidden or surprise fees

What members are saying

I had no idea how easy it was to build credit. Arrow makes it super easy to do. The user interface isn’t complicated at all. It’s an app every college student needs right now!
Reya M
UC Berkeley
I’m in the middle of getting my first car loan as my credit went from 0 to 596 in one payment. I was skeptical about going from debit to credit but Arrow makes it safe and easy. Now I tell all my friends about it!
Jessica J
Texas Tech
I’ve been using Arrow for a month now and love it. Purchases made on the card really do build credit history, and its so easy.
Martin L
University of Florida
I’m about to turn 19, and of course credit is extremely confusing. Arrow has helped me better understand the importance of building credit, while earning cash back and getting a better score!
Martin Luther
Product Designer at Uber.INC
Tanya C
Columbia University
I started with no credit score and within one month I'm already seeing a difference. Arrow is a game changer!
Martin Luther
Product Designer at Uber.INC
Martin Luther
Product Designer at Uber.INC
Sam A
Duke University
Martin Luther
Product Designer at Uber.INC
Martin Luther
Product Designer at Uber.INC

Designed for safety, security, and support

The card is issued in partnership with Patriot Bank and Mastercard. Atlas is built with industry leading security best practices including regular security audits and tests.

  • Instant transaction alerts
  • Easily block your card in one tap
  • 24/7 support – with a real human
  • Secure two-factor authentication
  • Liability and fraud protection

Get started

As fast as two minutes
0% APR with limits that grow with you
No income or credit history needed

Thank you! You are on the waitlist. We will follow up.
Oops! Something went wrong while submitting the form.

Frequently asked questions

Do I qualify for Atlas?
Which Credit Bureaus does Atlas report to and how often?
How does Atlas secure my banking information?
Is Atlas a bank?

More questions? Please email us. We reply to all emails, typically within 1-2 days.