Credit Made Easy

0% APR and high approval rates 1
Safe spending limits that grow with you
Save $1,850 every year on average 2
No credit history required

By clicking "Get Started," you opt-in to receive marketing messages at the entered number and agree to Atlas's mobile terms and privacy policy. Message frequency varies. Message and data rates may apply. You can opt-out at any time by replying STOP, or text HELP for support.

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Accepted by industry leading providers
Cash back partnership with 50,000+ locations including

Traditional credit cards approve only 20% applicants without an existing credit history 1

Atlas has over 4x higher approval rates than traditional cards 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 you4

0% APR with the Atlas Mastercard 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

Built in liability and fraud protection

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

Saves you money everyday4

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/yr2

Benefits that offer peace of mind

Cell Phone Protection

Extended Warranty Protection

Auto Rental Collision Damage Waiver

Travel and Emergency Services

Easy and accessible membership bundle3

Savings automation to help you save more

Built in subscription manager

Deposit account with early paycheck access

Tax filing service included at no extra cost

Simple pricing: only $8.99 every 4 weeks, or $89/year in the annual plan5

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.

Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.3

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

Atlas is built with industry leading 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 credit history needed

By clicking "Get Started," you opt-in to receive marketing messages at the entered number and agree to Atlas's mobile terms and privacy policy. Message frequency varies. Message and data rates may apply. You can opt-out at any time by replying STOP, or text HELP for support.

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?
Can I deposit funds for a higher limit?
What bank holds my funds?
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. doing business as Atlas, Atlas Application, Atlas Card, Exto Labs is a financial technology company, not a bank. In Idaho, Exto Inc. is doing business as Atlas Application. In Washington, Exto Inc. is doing business as Atlas.

1. Atlas's approval rate is usually over 95%, which is higher than the typical credit card approval rates reported in the CFPB's Consumer Credit Card Market report from 2023. Atlas approval rate assumes successful identity verification which is required to use the platform and services. See linked report for the CFPB Credit Card market report from 2023 (see page 81 for approval rates).
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2. Estimated savings assume average card spend of $20k per year ans bill renegotiation offered through Savvy. Actual savings will vary depending on card spend.

3. Customer deposit accounts and payments are subject to Atlas's bank partner account terms. Our bank partners are Academy Bank, member FDIC, and Dwolla partner Evolve Bank & Trust, member FDIC.  

4. The Atlas Mastercard is issued by Patriot Bank N.A. and pursuant to a license from MasterCard® International Incorporated. The Atlas Mastercard is optional; you do not need to request or use an Atlas Mastercard to sign up for Atlas. Lending services are provided by Atlas.

5. For joining Atlas, there is an $8.99 membership fee that is charged every four weeks. Because the membership fee is charged on a four week basis (and not a monthly basis), you may be charged two membership fees during a given calendar month. The membership fee includes access to a deposit account, credit tracking, and subscription manager.

6. 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.

Notes: 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. Images showing the Atlas app are representative samples and may differ from how Atlas displays on your phone. All copyrights and trademarks appearing on this page are the property of their respective owners.

Atlas is not available in all states or jurisdictions. Application time of 2 minutes based on internal user data demonstrating an average engagement time per eligible session of 1minute 54 seconds. Upon approval, opt-in and activation, Atlas card can be used wherever Mastercard is accepted. Not all vendors may offer cash back benefits, and certain exclusions may apply.

Exto Inc. NMLS ID # 2526784 | NMLS Consumer Access at https://www.nmlsconsumeraccess.org/.