Credit Made Easy

0% APR and high approval rates1
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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We work with leading industry providers
Cash back partnership with 50,000+ locations including

Traditional credit cards only approve 16% without an existing credit history 1

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 so you never pay interest

Safe spending limits that grow over time

Verify income or make a deposit for higher limits

Build credit with Equifax, Experian and Transunion

Full liability and fraud protection

Saves you money everyday

Up to 3% cash back on Gas, Food Delivery, Coffee Shops and more

5% cash back on subscriptions (Netflix, Hulu, and many more)

Virtual cards to cancel subscriptions with one click

Up to 10% cash back from 50,000+ stores

Up to 100% cash back on Lucky Swipes

Bill negotiation to save on for phone, internet and insurance

On average Atlas users save $1,850/yr*

Benefits that offer peace of mind

Cell Phone Protection

Extended Warranty Protection

Auto Rental Collision Damage Waiver

Travel and Emergency Services

Easy and accessible

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

Simple pricing: only $8.99/month

No hidden or surprise fees

Peace of mind included

Cell Phone Protection

When you pay your monthly wireless bill with Atlas card, your cell phone is protected for the next calendar month. So, you can get reimbursed up to $500 if your cell phone is stolen or damaged.

Extended Warranty Protection

Add up to an additional year to your qualifying warranty with Extended Warranty Protection, available for purchases made with your Atlas card. Per claim maximum $10,000 and per cardholder maximum $50,000.

Built-in Auto Rental Coverage

Save money by saying no at the counter – rent with your Atlas card and get built-in Auto Rental Coverage.

Emergency Assistance When Traveling

Travel and Emergency Assistance available for Atlas cardholders from anywhere in the world.

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 Atlas card is issued by Patriot Bank N.A., and can be used everywhere Mastercard is accepted. It is built with industry leading security best practices including regular security audits and tests.

  • Instant transaction alerts
  • Easily block your card in one tap
  • Secure two-factor authentication
  • Liability and fraud protection
  • In-app and email support

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.

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Atlas © Exto Inc. is a financial technology company, not a bank. The Atlas Card is issued by Patriot Bank N.A. and pursuant to a license from MasterCard® International Incorporated.
Lending services provided by Atlas.

1 Credit card approval rates from CFPB report pages 70 and 71: https://files.consumerfinance.gov/f/documents/cfpb_consumer-credit-card-market-report_2021.pdf
Note: Increase in credit score is dependent on on-time payment behavior and not guaranteed. Credit score is impacted by many factors and an Atlas card is one of them.
* Estimated savings assume average card spend of $20k per year. Bill renegotiation offered through Bill Fixers, Savvy and other partners.
** For card benefits certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details about Cell Phone Protection, Extended Warranty Protection, Auto Rental Coverage, and Emergency Assistance when Traveling.