Takes less than 2 minutes to apply and get approved


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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
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/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
No hard credit pull, paystubs, or other hoops to jump through
Simple pricing: only $8.99/month
No hidden or surprise fees
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.
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.
Get started
As fast as two minutes
0% APR with limits that grow with you
No income or credit history needed
More questions? Please email us. We reply to all emails, typically within 1-2 days.