Atlas Credit Card Review: A Smart and Simple Way to Improve Your Credit Score



IssuerPatriot Bank N.A.
RewardsUp to 3% cash back on gas, food delivery, coffee shops, and more 5% cash back on subscriptions like Netflix, Hulu, Spotify, and many more Up to 10% cash back from over 50,000 stores Up to 100% cash back on lucky swipes
Benefits0% APR Bill negotiation to save on phone, internet and insurance Cell phone protection Extended warranty protection Auto rental coverage Travel and emergency assistance
Payment OptionsOnline, phone, or mail
EligibilityNo credit history or income required

if you’re on the hunt for a credit card that’s all about building your credit score, earning rewards, and saving some cash on your everyday expenses, you’ve come to the right place. Meet the Atlas credit card! It’s the shiny new kid on the block, designed especially for folks with no credit history or those rolling with a tight budget.

What makes Atlas a real game-changer? Well, for starters, it rocks a 0% APR, meaning you won’t be forking out extra for interest. Approval rates are super high, so your chances are looking good. it’s got safe spending limits that actually grow as you do.

In this blog, I’ll spill the beans on how this awesome Atlas credit card operates, what sweet benefits it’s got in store for you, and, most importantly, how you can get your hands on one.

How the Atlas Credit Card Works

the Atlas credit card takes a refreshingly different approach. It’s all about simplicity and security, and it won’t keep you waiting around for ages.

In fact, getting your hands on the Atlas credit card is as easy as making a cup of tea and takes less than 2 minutes. Here’s how you can apply:

  • Visit the Atlas website or download the Atlas app and fill out a short form with your basic information.
  • Connect your bank account to get a spending limit that you can afford. Atlas uses Plaid to securely link your bank account without storing any of your banking information.
  • Set up daily autopay to pay off your balance every day and never pay interest or build a large balance. Atlas reports your on-time payments to all three credit bureaus (Equifax, Experian, and Transunion) to help you build your credit score.
  • Start using your Atlas credit card to make purchases at participating merchants and earn cash back and perks.


What are the Benefits of the Atlas Credit Card

The Atlas credit card isn’t just your average credit card – it’s a real game-changer for anyone looking to boost their credit score and keep more cash in their pocket. Check out some of the awesome perks you’ll enjoy with the Atlas credit card:

1. 0% APR: Imagine never having to worry about interest piling up on your purchases. With Atlas, you won’t! Say goodbye to those high-interest rates and pesky fees. All you pay is a straightforward $8.99 monthly fee or an annual fee of $99.

2. Cash Back: You’re in for some sweet cash back rewards! Earn up to 3% cash back on essentials like gas, food delivery, and your favorite coffee shops. But that’s not all; enjoy 5% cash back on subscriptions to services like Netflix, Hulu, and Spotify. Plus, get up to a whopping 10% cash back from over 50,000 stores and even a chance at 100% cash back on lucky swipes!

3. Bill Negotiation: Atlas has your back when it comes to saving money on your bills. They’ll go to bat for you and negotiate lower rates on your phone, internet, and insurance bills. On average, Atlas users save a whopping $1,850 per year!

4. Cell Phone Protection: Pay your monthly wireless bill with your Atlas credit card, and you’re covered. If your cell phone gets stolen or damaged, you can get reimbursed up to $500. Talk about peace of mind!

5. Extended Warranty Protection: When you use your Atlas credit card for purchases, you can add an extra year to your qualifying warranty. It’s like free insurance for your gadgets and gear, with claims of up to $10,000 per item and $50,000 per cardholder.

6. Auto Rental Coverage: Say ‘no thanks’ at the car rental counter because your Atlas credit card includes built-in auto rental coverage. You’re covered for collision damage and theft, saving you some serious dough.

7. Travel and Emergency Assistance: No matter where you are in the world, your Atlas credit card has your back. Get help with medical referrals, legal referrals, lost luggage, and more with their travel and emergency assistance.

How to Apply for the Atlas Credit Card

Here’s the lowdown on what you’ll need to do:

1. Gather Your Info: Get your basic info ready, like your name, address, email, phone number, date of birth, and social security number. These are the building blocks to kickstart your Atlas journey.

2. Link Your Bank Account: To set up your spending limit – and one that you can comfortably handle – you’ll need to link your primary bank account. It’s a quick and easy step.

3. No Credit? No Problem: The Atlas credit card isn’t picky about your credit history or your income. As long as you pass the identity verification process and link that bank account, you’re golden. You’re approved!

4. Instant Gratification: Once you’re approved, you won’t have to twiddle your thumbs. You’ll get a virtual card number right away, ready to use. And within 7-10 business days, a shiny physical card will arrive in your mailbox.

The Atlas credit card is like a triple threat: it helps you build your credit score, earn rewards, and save on your everyday expenses. It’s a breeze to apply for and super user-friendly. Plus, it’s loaded with benefits that make it stand out from the crowd. So, if you’re itching to know more or want to grab your very own Atlas credit card, just hop on over to their website or download their app today

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