Atlas - Rewards Credit Card Customer Service

Atlas - Rewards Credit Card Positive Reviews

Best Credit card for LifeI’ve only had Atlas for about a week now and so far they have been pretty good. They have a lot of benefits and one of the benefits I love is that they can help build my credit faster. I’m just a little nervous about setting up direct deposit with my paychecks, but I will deposit money as time goes. The best part about the depositing money is it increases your credit limit, so for example, if you deposit $500, then you have $500 credit limit. To me that’s like saying you got control over your credit limit basically. Also I love the fact I only have to spend about $90 once a year for the credit card which is a good thing and more affordable. I also love the fact that they work with you on your financials and they make payments affordable no matter what. I can see myself with them for the rest of my life. I’m actually gonna recommend my husband getting them too. Plus, Atlas gives you $5 dollars for every person you recommend their app to and if that person signs up you get that $5 dollars in your acct. You can get up until $100 worth of recommendations. Atlas is truly worth everything. Oh and one last thing, their customer experience is outstanding. They respond to you within the same day you asked a question they don’t let you wait another day or another hour they respond to you right away and they text you through your cell phone, which is a lot faster, easier & convenient, I think. Way to go Atlas!.Lorforever21Version: 2.9.36

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!.MOMster727Version: 2.0.4

Atlas#1Credit score increased within the first month or so by a decent amount. Trying to pay the balance more than half the time doesn't work. I can submit the payment 10 different times and it does nothing. Also, kind of annoying that the minimum deposit amount is $20. Maybe initially but afterwards you should be able to add any amount you want to your account. I'm a gig worker and trying to connect to any of my work accounts for direct deposit is a joke to get the immediate spending increase. I get direct deposit after every job, there is no set amount I get paid for each one and there's no option for 'whole paycheck' just set dollar amounts. The whole point is to get the instant higher spend power so l'm not even gonna waste my time doing it with each employer directly. Very plain, nothing to it other than an $8.99 membership fee with the only plus about it being that they report a $1,000 credit limit to the credit bureau even if your spending limit is only $10, which does help increase your credit. One more thing, they dont send you a card for your account until you qualify ? And recently got an email saying they were mailing me one ... I got married and had already updated my legal name through them weeks prior, and they sent me a card with my maiden name on it..East$1deVersion: 2.8.0

Atlas Credit Card Is The Real Deal!!!Like most things I get emails for or see ads about while on social media I’m on high alert and usually very skeptical. However, in the case of the Atlas Credit Card I literally feel like I found gold at the end of the rainbow. The sign up process is very well put together and requires little effort. Answer some basic questions fill in typical personal info and you’re off to the races. It’s very transparent and actually full of surprises they don’t advertise. Amazing APY… phone protection up to $500 in case of an accident… car rental assistance and travelers assistance on long trips. It’s $9 a month and they take that as soon as you sign up which is actually awesome because that begins the reporting process to the credit bureaus for anyone trying to rebuild or establish credit. They start you off with a small balance but to me this actually says they give a s$!# as opposed to just giving u a huge credit line that gives people big eyes and holes in their pockets to go with it. By simply setting up direct deposit from your job thru them they will give you a credit increase. As well as a chance to double your paycheck with a weekly drawing they do. I never ever write reviews but this seemed like almost an injustice to them not to!!!.MRC0103Version: 2.9.39

Love itYes 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 🙏🏾❤️❤️❤️❤️❤️.NegjakmelVersion: 1.1.11

Definite credit score boostCredit score increased within the first month or so by a decent amount. Trying to pay the balance more than half the time doesn’t work. I can submit the payment 10 different times and it does nothing. Also, kind of annoying that the minimum deposit amount is $20. Maybe initially but afterwards you should be able to add any amount you want to your account. I’m a gig worker and trying to connect to any of my work accounts for direct deposit is a joke to get the immediate spending increase. I get direct deposit after every job, there is no set amount I get paid for each one and there’s no option for ‘whole paycheck’ just set dollar amounts. The whole point is to get the instant higher spend power so I’m not even gonna waste my time doing it with each employer directly. Very plain, nothing to it other than an $8.99 membership fee with the only plus about it being that they report a $1,000 credit limit to the credit bureau even if your spending limit is only $10, which does help increase your credit. One more thing, they dont send you a card for your account until you qualify ? And recently got an email saying they were mailing me one … I got married and had already updated my legal name through them weeks prior, and they sent me a card with my maiden name on it. 🤔.Knacg93Version: 2.6.2

ReviewHave 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!.Bahahahaha..............Version: 2.9.22

**Atlas Mastercard Review**I recently signed up for the Atlas Mastercard, and I'm very pleased with it. **Easy Application** The application process was quick and straightforward, without requiring a hard credit check. **Affordable Fees** The card has a reasonable fee of $8.99 per month or $89 annually, with no hidden fees. **Credit Building** It's great for building credit, as it reports to all three major credit bureaus. The Smart Pay feature helps maintain a low credit utilization ratio by automatically paying off your balance. **Rewards and Benefits** You earn points on everyday purchases. The card also offers: - **Cell Phone Protection**: Up to $500 for theft or damage. - **Extended Warranty**: Adds up to a year on qualifying purchases. - **Auto Rental Collision Damage Waiver**: Built-in coverage for rental cars. - **Travel and Emergency Assistance**: Comprehensive support when traveling. **Security and Support** Security features include instant transaction alerts and two-factor authentication. Customer support is responsive and helpful. **Overall Experience** The Atlas Mastercard is excellent for anyone looking to build or rebuild their credit while enjoying useful perks. Highly recommended!.Frank from BaltimoreVersion: 2.9.19

This is a great credit card for beginners who have no idea how to use a credit card (like me)I was sort of skeptical when I first signed up for this app, but it actually works. I got my card in the mail pretty quickly and made my first couple of on-time payments just to pay off the card fee, and my credit score went up 138 points??? To be fair, I had NO credit history before this, because I’ve been avoiding getting into debt, but this is a really great card for anybody to get who is new to credit cards, because it only allows you to have $10 of credit at first, and that’s just enough to cover the monthly fee, so if you just pay that off enough times, this will be enough to get your credit up enough to actually sign up for a bigger card and start making big purchases like buying a car. I’m now one point away with my credit score from being able to finance a car. That’s mind blowing to me. Definitely a legit program and the app breaks down all kinds of credit knowledge for you so that you can start really actually being more financially literate over time. 10/10.MadiChu666Version: 2.9.59

Finally.. a credit builder that makes senseSo i have been struggling with my credit for quite some time.. i had some delinquent accounts that were fraudulent and or resolved but still showing up. I couldn’t get my score above a 520 forever!! Then all the misinformation got removed and straightened out and my score went from a 520 to a 4… yes like 004.. over night!! And since then i cant get a credit builder loan , a payday loan, i cant even borrow a pencil ! Then one place says .. they have to have to charge me a higher interest rate since i have no credit .. and that bad credit was basically better than none.. so your going to make me pay more to start out building credit .. than if i had already proven that cant pay my bills? So set me uo failure for something that i dont even want .. but seems like a necessity in life these days ( having credit or a good score) then i found Atlas… and wow .. thank you so much for keeping it simple !! You guys really understand how difficult it is without any options for cards or loans and have solved the problem for average joes.. and the app has so many different bonus incentives and perks and is easy to use … thank you soo much!!.Lucie-PhurVersion: 2.9.36

If you need to fix your credit this app is for you!I’m 43 and when I was younger I didn’t realize how important it was Aquire and keep up your credit score. I also didn’t know how having a low credit score could hinder n paralysis your ability to have anything such as renting a apt, applying from a loan to buy a house, or even a car. I most definitely placed myself in a very tough position. Now that I’m oldest and a lot more knowledgeable about how beneficial it is to keep good credit. I’ve been doing my best to slow start repairing n building my credit n man it’s been a long road that I’ve been traveling I’ve tried all type of ways to build up my credit. Non of those help me the way Atlas has though, they’ve even got it set up to where there is no way you can’t win and it help increase my credit score more then any thing else I’ve done and in a way quick time frame. If you need help boosting your credit score this is definitely the app for you. Don’t take my word for it try it yourself..Moodyboody1880Version: 2.8.2

Solid App and Card, But Support and Communication Need Urgent AttentiionThe Atlas Financial app is a solid performer, offering a seamless experience in managing finances. Coupled with their card, which has proven to be reliable and widely accepted, it's a great financial tool. The app's design and functionality are commendable, making financial transactions effortless and intuitive. However, the area that severely needs improvement is customer support. Currently, there's no option for phone support or live chat for urgent issues like potential fraud on the account, which is a critical shortfall. The only phone option leads to a voicemail, which is far from reassuring in urgent situations. Additionally, the support provided through the existing channels feels scripted and impersonal, which is a significant turn-off. It's vital for a financial service to offer prompt, genuine, and effective support, especially for urgent and sensitive matters. In conclusion, while Atlas Financial offers a great app and card, their lack of effective communication channels and poor customer support quality significantly hinders the overall experience. There's a pressing need for them to address these issues.Malexander01Version: 2.1.1

Loving it!I’ve been using the Atlas MasterCard for a while now, and it’s been a fantastic experience. The card offers a seamless way to build credit, especially for those who may have had challenges in the past. With no deposit required upfront, it’s incredibly accessible, and the process to get started is straightforward and user-friendly. One of the features I appreciate the most is the direct deposit option, which allows a portion of my paycheck to be allocated directly to my Atlas account. This acts like a debit card while also reporting to credit bureaus as credit, which is ingenious. It’s like having the best of both worlds – the convenience of a debit card with the credit-building capabilities of a credit card. The customer service has been top-notch, always ready to assist with any questions or concerns. Plus, the card comes with the added benefit of early payday with direct deposits, which can be a real lifesaver when you need funds a bit earlier..Alex Hemmah 89Version: 2.9.29

AtlasI 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..GBG.079thVersion: 2.9.22

It’s Litt 🔥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 l 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..Follow my IG Mr.1kzaeyyVersion: 2.9.12

Great appAs a new banker, having the opportunity to review the Atlas Rewards Credit Card has been advantageous. The Atlas Rewards Credit Card offers a diverse range of benefits that cater to a wide array of customers. The key features of this credit card are designed to enhance customer satisfaction and loyalty. With a competitive rewards program, customers can earn points on their purchases and redeem them for travel, merchandise, or cash back. The card also provides exclusive perks such as travel insurance, purchase protection, and concierge services, adding value to the overall customer experience. Moreover, the card's user-friendly online platform and mobile app make it convenient for customers to manage their accounts and track their rewards seamlessly. Overall, the Atlas Rewards Credit Card stands out for its attractive rewards program, valuable benefits, and user-friendly features, making it a top choice for customers seeking a rewarding credit card experience..RamaadWVersion: 2.9.1

Atlas the Credit Card to have.👍🏾I was skeptical about applying for the Atlas credit card but I did and I’m glad that I did. It’s one of the only cards out there that’s honest about what they can provide you and what you’ll get with them. With my credit I was pleasantly shocked that they accepted me as a customer. I’m telling you if you want a company that is real and make no false promises then you should apply for the Atlas credit card. They help bring that terrible credit score up and report to the three major credit bureaus, you can also check your credit score right within the app itself. Not to mention the various other perks the card offer. I’d be satisfied with having this card as my only credit card and not applying for any other. It has it all and you can’t go wrong. So, go ahead and apply you’d be happy you did. I’m telling everyone I know about the Atlas credit card. Thanks Atlas.Bunni72Version: 2.9.31

The Best Tool for Payments and Credit BuildingAtlas App has revolutionized the way I manage my finances and build my credit. From the first use, I was impressed by its intuitive interface and elegant design, which make navigation easy and enjoyable. What I like most about Atlas App is its ability to centralize all my transactions and payments in one place. I can pay my bills, transfer money, and track my expenses with just a few taps. The app provides timely notifications and reminders, ensuring I never miss a payment, which is crucial for maintaining good credit. Additionally, the Atlas App offers personalized tools and tips to improve my credit score. The detailed reports and credit analyzes are incredibly helpful in understanding my financial habits and making informed decisions. The real-time credit monitoring feature allows me to see how my actions affect my score and adjust my strategies accordingly..BedialunetaVersion: 2.9.18

Great CardThis card actually does what it says it will. The whole process was super easy and quick to apply and receive it. They started me off with a lower spend power than I expected but then they explained why and it made sense. Once you set up your direct deposit they increase it. They have everything set up to where you don’t really have to do anything in regards to remembering when to pay your balance and to actually make the payment because they take care of all of that. My credit score has increased by almost 10 points in a matter of 2 months. I don’t use it as much but honestly I’m going to start using it more often since it does help out your credit score. I recommend Atlas to everyone that wants help in building their credit score and has been denied by every other credit card. Download Atlas now and apply!.Rokk0825Version: 2.9.22

Great for building financial responsibilityI'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..Hopeb757Version: 1.4.6

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..TheFlyingBassAceVersion: 2.1.6

!!!Satisfied!!!**Rating: ★★★★☆ (4/5)** I've been using the Atlas app for the past six months, and I’m impressed with how effectively it has helped me build my credit score. **Pros:** 1. **User-Friendly Interface**: The app is very intuitive and easy to navigate. Setting up my account and linking my bank accounts was straightforward. 2. **Regular Reporting**: CreditBoost reports to all three major credit bureaus, ensuring that my positive payment history is recognized. 3. **Educational Resources**: The app offers a wealth of resources on managing credit, understanding credit scores, and financial planning. These have been invaluable in improving my financial literacy. 4. **Credit Monitoring**: Real-time alerts and monthly updates on my credit score have kept me informed and motivated. 5. **Automatic Payments**: The app allows for setting up automatic payments, which has helped me avoid late payments and build a consistent payment history..AllthewayG90Version: 2.9.36

Raising credit scoreI’m new to Atlas and have only been using it for about a month. So far it’s been great. It was a learning curve with understanding the deposit account and payment methods but once I figured it out it’s been easy. Another thing to double check when using your card is the Smart Pay. After using your card, your balance will be automatically paid from your linked account to help with paying off balances on time. I was not aware of this at first and ended up over drafting my bank account. I have a tip position job and I tend to only go to the bank once a week or so. Needless to say, I now go daily if I know I’ll be using my card. My credit score has increased by 19 points after making my first payment. Overall I’m impressed and there are lots of perks like cash back, points.. etc..MmmmmmwqpfVersion: 2.9.11

Dramatically Improve Your Credit ScoreAtlas 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..ModenapsuVersion: 2.1.5

Try Atlas!So far I’ve had a great experience with Atlas. Everything is easy to navigate and the setup process is FAST! The layout is so simply designed that you really can’t mess up or get confused about onboarding. I had tried Atlas last year when it was first rolling out and for whatever reason the system glitched and it wasn’t working in my favor; however, the owner of the app (I believe) was in constant communication with me and did all the things and more to assist me in overcoming the glitch. When it seemed like we may not get past it he took other measures above and beyond to assist me. So customer service is outstanding too!! The more you deposit the more credit line you get and your credit line is not the same as the amount you deposit. So there are many great things to come from this app!! Crystal.Another let down of courseVersion: 2.6.0

Truly a Godsend for MeLife 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!!.Mmart1014Version: 1.3.0

Impeccable Customer ServiceI’ve barely had a couple months, and my credit score has jumped up 68 points, or something like that. But that’s not what I’m here to write about. I’m here to tell everyone what a wonderful Customer Service experience I’ve had with this company. I was a bit confused; it’s a lot different from any other credit card you’ve ever had, so it’s not exactly navigable at the outset… but their Customer Service? Spectacular. Very personable, very responsive (you can actually reach them) and they give you full, thorough answers to any question you have. They follow up with you, they make sure you’re all right…. And that’s what’s missing from the world today: good customer service. Everyone else seems to have lost this concept through time, but this company, Atlas — They hold onto it..RyanBlancoVersion: 2.9.68

Love it so farHello! I'm really enjoying this app so far! As a new user, I'm excited to learn more and improve my credit score over time. Currently, my score is average, but I'm looking forward to seeing it grow. The app's design is sleek and user-friendly, with fantastic features like cashback rewards. I'm particularly interested in requesting a metal card at a discounted price. While my initial credit limit was lower than expected, considering my income, I understand the reasoning. I'm confident that as my credit score improves, I'll have access to higher limits in the future. One suggestion I have is to allow customers to access credit sooner via external bank transfer - I hope this is something you'll consider implementing! Overall, I'm loving the app and looking forward to seeing what the future holds. Have a great day!".HhskkskksskaVersion: 2.9.7

Atlas gave me a startI was truly skeptical and to be honest, still slightly am. I am a fairly new customer but so far it’s been so great! They immediately started reporting to my credit, I can start with a low amount and build up a lot faster than waiting on semi-annual reviews. It’s already helping me build my score back up after getting myself really behind after medical issues. Their customer support is great about trying to help you understand especially since this card is very different than most standard cards. I only had one complaint and that was not getting a physical card automatically and having to order one. That wasn’t made clear in the beginning but besides that, it’s been wonderful and they were able to get me one ordered without really any hassle..Alisa F.Version: 2.9.0

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?.Mick_1203Version: 2.3.1

AwesomeLife 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!!.Tankk tankk ;Version: 1.4.7

Transformative Credit JourneyI am absolutely delighted with the Atlas application. This credit-building app distinguishes itself with its unique, non-cookie-cutter design and exceptionally user-friendly tools. As someone who sought assistance in credit recovery, I found the experience to be genuinely transformative. From the moment I began using Atlas, I observed immediate improvements—it is immensely gratifying to take prompt action and witness meaningful results. The app’s interface is remarkably intuitive, rendering complex credit processes simple and easy to comprehend. Atlas doesn't merely offer advice; it provides actionable steps that are both practical and highly effective. The most remarkable feature? The tools are designed to offer a clear picture of your progress right from the start. This instills confidence and keeps you motivated. It is truly refreshing to use an app that not only promises support but actually delivers real, positive outcomes that you can both see and feel. If you’re like me, seeking a reliable method to rebuild your credit, I cannot recommend Atlas highly enough. It is a truly rewarding journey, bolstered by fantastic support along the way. Thank you, Atlas, for making credit recovery such a positive and empowering experience!.SultryDreadVersion: 2.9.29

ReviewI was truly skeptical and to be honest, still slightly am. I am a fairly new customer but so far it's been so great! They immediately started reporting to my credit, I can start with a low amount and build up a lot faster than waiting on semi-annual reviews. It's already helping me build my score back up after getting myself really behind after medical issues. Their customer support is great about trying to help you understand especially since this card is very different than most standard cards. I only had one complaint and that was not getting a physical card automatically and having to order one. That wasn't made clear in the beginning but besides that, it's been wonderful and they were able to get me one ordered without really any hassle..PAFA2710Version: 2.9.29

So far, so good!I’ve been using Atlas for almost a month now. I have been very happy with this app, and my credit score has been going up steadily this past month. I haven’t had a single problem with the app, however I did have a few questions that I needed to contact their customer service about. I am happily surprised with the level of service I received from the initial call answering person. She easily answered all of my questions and was friendly and funny on top of giving me help. She didn’t have to pass me off to a “supervisor” or escalate the call at all- I was totally satisfied with one interaction. If you’re on the fence I’d say give Atlas a shot. They seem as good as, if not better than, the rest of these kinds of “unbanking” apps, and I’m glad I’ve tried them out. I will probably switch completely over later this summer. Thanks!!.PaulBelcherVersion: 2.9.28

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!.Shell Den Cam 9-11-16Version: 0.5.6

Best Credit Builder Option I’ve FoundI downloaded a plethora of apps asking for my direct deposit to use portions of my paycheck to build credit, but after shopping around Atlas is the only one I decided to give access to my direct deposits. I has a ton of great perks, bonus offers, etc all while doing what it says it will and building your credit. Points for places I already spend money at. Plus, you can actually use your money unlike some services that give you an essentially fake LOC to raise your utilization for a subscription fee. I’m looking for more utility than that, and I think I’ve found it. 4 stars instead of 5 because I haven’t received my first deposit and gotten to explore the features fully, but I will update based on my experience. Excited to start using!.Caleb WilliamVersion: 2.9.37

Beyond a great app !!When it comes to trying to build credit from either poor/bad mistakes, or someone scamming you and running up your credit it is totally hard! And you have to go through hoops and loops to find a credible and reliable credit building company who isn’t going to charge you and arm and a leg., or put you through a lot of obstacles and turn around and denied our application.,. But when it comes to this app “Atlas” is by far the best credit building app out here! Best prices for trying to help YOU with your life and Not only can it be for just that , but also getting into the right spending and saving habits., they really help you not “break you” so check them out and get your life on track.!!.Rece CarveresVersion: 2.9.29

Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!AdvertorialVersion: 5.4.2

Atlas - Rewards Credit Card Negative Reviews

1 year using this scam—real honest reviewThis is probably the only real review you’re ever going to read about this app. One year of using this and it’s not that great. I put $600+ a month on it as my very funny money, if I want to spend a night in a hotel, I’ll book a night with the $600. You pay them a fee every month, $15 I think. They will dip into all your accounts whenever they need some extra money for payroll or something and take out whatever they like. Then they will make you wait a week for them to credit it. There is no rhyme or reason to when or for how much they will decide to borrow from me, making it impossible to budget. They do this even when there is plenty of money from my direct deposit to cover my balance. They will also sign you up for varying amounts deducted from your accounts for savings when ever they feel like it. I have never gotten a cash back bonus where your transaction is free of multiples of your transaction. I think they make up the list of names or they all work there or are their cousins. It’s a waste of money, Varo and chime do the exact same thing for free and they are more reliable about posting direct deposits on time and early. If you ever need to talk to them, good luck because it takes all day just to have them say no to everything you ask them for and they are brain damaged California people who probably drink suntan lotion like everyone in that foreign country. I can’t think of a single good thing about it. It’s a scam..EverynivknameitryistakenVersion: 3.3.12

Fraud charges-No supportHad fraudulent charges on my account and it took over a week for their investigation and determined no fraud charges were made. As soon as I saw the charges I got in touch with their support which btw takes hours for them to respond to. And I personally had to lock down my own card from anymore charges being made which whoever stole my account info attempted 2 other times at using my card online. And if I didnt lock my own card those charges would have also been posted to my account. After hearing I had fraud charges on my account they never sent me a new card, and then after a week, and then only asking where my card was at during the time of the charges which was with me. Made them determine it wasn’t charged fraudulently. Do they not understand how easy it is for some hacker to get info in this day and age?! DO NOT BANK HERE! They are just some small company who gives 0 support to their clients. I’ll be getting more information from the Better Business and be in touch with legal counsels on this matter. It was like $75 in charges on my account but it’s the principal of I bank with someone who I can’t trust with my money and I can’t trust this company if they are going to sit there and accuse me of making these charges. If I could give negative stars I would. And I’ve never ever wrote a review on here ever. But this is beyond frustrating and I hope to save the next person from banking here! DO NOT DO IT.Rachel4396Version: 2.9.36

Would not say I’d do this againThe idea of Atlas seemed great at first. Had some nice reviews, guaranteed credit long as you kept money going in, no fees other then the standard $8/month service charge. Well I can tell you some of this is true, but they don’t make it easy for their clients. During the first 3 weeks of signing up and using the service my account was “locked and on hold” (for 2-3 days everytime) while they validated information they had from day 1. All of my information was correct, including my direct deposit into my atlas account. Still they would randomly lock my account and demand I verify my identity using an account from another bank. I’m in my mid 30’s and have had plenty of bank accounts and I’ve never had to jump through so many hoops and been so dissatisfied with a bank before. Also when they lock you out you can’t access any of your funds so be ready for that. After signing up for atlas I went over 4 weeks without access to my funds, except for a virtual card I could use online but that doesn’t help me at grocery stores to feed my kids or the gas station to put gas in my vehicle. If your credit is shot and you have no other option then maybe worth a try, but if you can avoid them, I would..Unsatisfied Customer1987Version: 2.9.3

Direct deposit as isnt trueI switch my direct deposit from so-fi to here because they kept sending me ads to sign up for direct-deposit and how it’s so much faster than others when in reality it’s 100 percent much slower. Good stuff Atlas, I went to Reddit and also they’ve been know to get complaints about direct deposit not showing up and then closing the account. I really hope this isn’t true. Also what Atlas doesn’t like to mention in the fine print is, if you have any sorta bank account connected to the current atlas account. They won’t go based off what you owe. Because you honestly really owe nothing unless they give you payroll credit, or something , at least a .01 more than what their policy may reference about account opening fees.. If none of this applies and Atlas “the companies app I’m referring too about now” would like to argue this post, or their developers. Please reach out. Because if you’ve been an atlas customer, sorry but that “All your money in your account going to atlas” , yeahh they want dd, because the fees pay them. They openly lie about how fast it’ll come. Sending you messages daily, “sign up” sign up”. Don’t get payroll credit, that’s how they trap you. DONT ADD YOUR DD TO THIS ACCOUNT! I’m an everyday consumer, mid class. Paycheck to paycheck type of person. Do not sign up for these folks.DariusRC00000Version: 3.3.8

Confusing, Dishonest, OpaqueI don’t normally leave app reviews, but I have to speak out about this one. I am trying my best to grow my credit, and the advertisement on Facebook said this app would help with that. After giving it some thought, and **trying** to read up about the app I signed up. I didn’t realize it was a subscription, I thought it was a line of credit. After paying the first month’s fee, I read deeper - yes, it’s on me for not doing the reading first, but I’m human, and I always assume the best in others. Upon reading deeper, I found the whole thing very confusing, and no easy to manage. I canceled my account. They offered me one month free, and I expressed finding the app confusing. They didn’t offer to clarify anything. When I sent the email about canceling, I expressed a desire for a refund. They just told me my account would be close, no mention of the refund. I had to send a follow up email after they closed my ticket. I got an email back two days later telling me that I should have read the fine print, effectively, and that there would be no refund. $8.99 isn’t a lot of money, but someone living paycheck to paycheck like me, that could be a meal or some groceries. Ultimately, that’s why I wanted to cancel my account - I couldn’t afford the subscription. So, thanks Mark..Rev.FoxVersion: 2.9.38

ThievesThe day my direct deposit dropped I tried to pay my rent. When I did-they locked me out of my account. Not a big deal in itself. However- they did not respond when chats were sent until the next day. The responses were just automated and said we are working on it. They in fact were not. They DO NOT have a customer phone service. They require you to submit your ID to verify. Would be fine except that the button to proceed with the verification doesn’t work. In order to even get a response from them I’ve had to report them to the BBB and hire an attorney. They more than 24 hours later finally issued a response from a human saying I would have a resolution in another 48 hours. This has now caused major losses for me. I have 200$ few from the landlord. I also was not able to gets critical meds, tampons, food or gas for work. These are now compounding damages. I would highly recommend never doing business with Altas. They do not have the infrastructure within their business to handle any complaints. They have been very unresponsive. They are on the hook for more than 1200$ they will not release to me plus all damages and fees. Don’t do it. Just don’t waste your time. You will lose money not make it..VcotoevvsVersion: 3.4.18

Incessant Text Message AdvertisingI’ve been interested in signing up for Atlas since they first appeared on the App Store, or at least when I first noticed them, probably since about 2023. So I downloaded it and signed up with all my information only to be told I was now on a waiting list and to watch out for my turn to start using Atlas. Fast forward to about two months or so ago, I began getting text messages from Atlas. Typical marketing texts urging me to try Atlas, things like “signing up will only take 2 minutes!” etc.. So I figured they must be onboarding people now…. So I open up the app, sign in with my same previous info, and lo and behold I’m STILL on the waiting list… ok so why are you advertising telling me to sign up? And how am I STILL on the waiting list after this long anyway? A couple of years? (give or take). That’s ridiculous. And now I’m receiving the same text messages multiple times a day I mean like several at a time. It isn’t very pleasant considering I can’t even use the product that they continually insist I should sign up for. If one day I'm able to use Atlas and the product is as amazing as they say it is I MAY just change my review, but for now, two thumbs down. 👎👎.ShesGoneNutsVersion: 3.3.2

ScamIf I could give 0 stars I would. My bank has been disconnected for over 7 months. When it first happened I tried to cancel my account but realized they were saying my bank account was disconnected and my account restricted but somehow still taking upwards of $25 from my account each month. The monthly fee is $8.99 but I have records of being charge sometime $25 to even $45. I have been unable to utilize this card for almost year because of my bank account being disconnected but again they are still deducting funds from my bank account. Support is automated and there is no way to talk to a real person. Yesterday they deducted $25 from my bank despite the last charge being $35 in May and me not having used the card. I have reached out multiple times with no response and the one time they did respond I got no resolution other than figure it out on your end. This is a quick scheme that takes advantage of people, my credit score hasn’t even increased from this card since I got it. At this point I am spending to an attorney and have filed with the BBB because this predatory and dishonest behavior is unacceptable. All these 5 star reviews are definitely fake or paid for..CaitlinGrayVersion: 4.5.4

Only 1 star at the moment because I can’t get ahold of customer serviceI 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..To_Infuriated_And_Beyond!Version: 0.6.2

Seems to be a SCAM.Downloaded this app in hopes that it would help me boost my credit score however after the first couple of charges to my account I went to cancel my membership. I was just charged $18, two days ago. Contacted support to make them aware of the charges that were trying to be withdrawn from my account and that I had previously canceled months before. I was asked to provide a screenshot of my membership cancellation which I didn’t know I was going to need it, as it was months ago and I assumed it had went through. Wouldn’t have needed a screenshot for that if it had just taken my requests however someone told me I couldn’t close my account until I paid $35, then the next message I received they tell me I owe $45 in order to close my account. Once again they then confirm that I supposedly didn’t cancel my account and that will have to pay in order for my account to be closed. Seems like want free money from people without officially helping them. It’s not about credit, it’s about weaponizing our own poverty against us as a people that continues to struggle and looking for some assistance to get on the right track..TinaTinaX2Version: 4.1.8

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!.Ellasophia09Version: 1.2.6

Your Paying Double or Maybe it’s just me !Maybe it’s just me but I’m not really understanding what’s going on here 🤷🏾‍♂️. I signed up for platinum tier paid $80 bucks that’s fine whatever lbs . I was given a $10 dollar credit limit. Thinking that’s not enough I added $40 money to my account from my regular debit card giving me $50 spending limit. If you still following along I’ve now deposited/spent about $120 total for the membership and to have a bigger spending limit. After spending $40 of my $50 I noticed owed $40 . I reached out to customer service to see why I had a balance (-$40) and got the slowest response possible and the craziest answers. Long story this is not a traditional credit builder. Everything you spend you have to pay twice for. Meaning if you add $1 from your personal bank account and spend it, u will owe them a $1 😒meaning I just spent $2 . And when you go to pull your money from your account it shows up as a transaction with a balance even though it was money you put into the account to spend this app is just absolutely nuts. If it wasn’t for the $80 I spent on this app I would not keep it.This App SlapVersion: 4.3.1

Fraud/scam/ poor customer serviceMy card was lost or stolen. Soon as I realized I didn’t have it I locked it then contacted customer support to cancel it then I saw a charge at a store I never been too for over $60 so I contacted support again and she said apply for a dispute I don’t know what that is so she walked me thru how to do it and then said it will take 45 days to complete which I’m ok with but then they told me I needed to pay my balance I told them I will after the dispute is resolved I’m not paying for something I did not buy then they tried paying off my balance automatically using both my linked accounts I only use these accounts to transfer money to for paying bills so there’s never money in them so now I have multiple insufficient funds fees from both my accounts and now I owe a lot of money. I’ve spoke with support over the phone and was assured it would not happen again and that atlas would reimburse me for any fees charged by my other accounts due to this issue but they did it again and now atlas is saying their gonna cancel my account.Stock1111111Version: 3.0.11

Nothing but regretThis is not a credit card, it is a paid subscription to pay for things with another account but here’s the shocker, the spend amount starts at just $10. Self was much much better and I wish Atlas had modeled after them. Why am I paying this company $8.99 just to be able to use $10 every month and MAYBE get an increase. What am I even supposed to buy for $10 in this economy?? It was such a waste of money and a useless hit to my credit score. This model makes zero sense to me but I can’t cancel without it effecting my credit negatively. For those of you who read reviews beforehand, beware this app. It’s a third party checking account you have to pay for. Your spend power is whatever you personally deposited and they’ll review to see if you use the card enough to get a boost, like cash app. We’d literally be better off using Borrow from Cash App or Self, things that ACTUALLY work like a short term loan or credit card by giving you a limit based on your credit. Why is Atlas on my credit if I can’t have more than $10?? Useless..Peeved22Version: 2.9.2

0 Stars - Your funds are NOT SafeStraight to the point, yes ur funds are not safe here. There was an unfamiliar charge that appeared, Atlas at first called old but provide ANY information on the merchant in order for me to contact them which is their requirement to even submit a dispute. They then provided me with a tire distributor ( I don’t even own a car), I contacted their accounts receivable department, they gave me an email for the billing department. I send the email with the screen shots, they email me advising them is was not a valid charge made by them. I send all this information to Atlas and they ultimate response is “unfortunately we could not return your funds as the purchaser has the same credentials and it was made by Apple Pay which adds an extra layer of security”. So…no one can confirm the merchant…no one can tell me what it was for…you cancelled and replaced my card before we figured out what was going on so I can’t see the Apple transaction history anymore…and my funds can’t be returned. I will be canceling this account and taking my business elsewhere. Thanks for nothing..BeautifulBoriqua18Version: 2.9.29

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