John Miller, Credit Cards Moderator
@john_miller
There is no disclosed starting credit limit for the Atlas Credit Card, as it depends on your credit profile and linked bank account. Based on these factors, Atlas assigns you an initial unsecured credit limit when you're approved.
If you want more spending power, you can increase it at any time by depositing money into your Atlas Deposit Account, setting up direct deposit, or by improving the health of your linked bank account.
Atlas Credit Card Spending Power Explained
Spend Power = Unsecured Credit + Secured Credit
Unsecured Credit:
- Based on your credit profile and linked bank account
- Can increase by setting up direct deposits (up to $250 in payroll credit) or through maintaining a healthy bank account (flex credit that can increase over time)
Secured Credit:
- Comes from your deposits into the Atlas Deposit Account
- Matches the deposit amount dollar for dollar
You can always view a detailed breakdown of your spending power in the Atlas app by navigating to: Home > Credit Card > Card Details. You can also contact customer support for more information.
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How do I apply for the Atlas Credit Card?
You can apply for the Atlas Credit Card online, by visiting the card’s page and clicking on “Apply Now.” Unfortunately, there are no options to apply over the phone or in person.
How to Apply for the Atlas Credit Card
- Visit the card’s online page and click on “Apply Now.”
- Enter your phone number in the appropriate field and select “Get Card.”
- Click on “Get Started” and follow the instructions on screen.
- Provide the required...
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