Atlas

No, the Atlas Credit Card is not a secured credit card. The Atlas Credit Card is designed for people with bad credit (300 - 639 credit score), but unlike secured credit cards, it does not require a security deposit to open the account.

Key Things to Know About the Atlas Credit Card

• Network: Mastercard
• Rewards: 0 - 5% cash back
• Initial Bonus: N/A
• Annual Fee: $0
• Membership Fee: $8.99, charged every four weeks ($89/year in the annual plan). The membership fee also includes access to a deposit account, credit tracking, and subscription manager.
• Regular APR: 0%

The Atlas Credit Card is a unique credit card for building credit, as it offers generous rewards on select purchases and does not charge interest. It's also very easy to get approved, as you only need to verify your identity and link your bank account. The sticking point is the card's membership fee, but with a maximum rewards-earning rate of 5% cash back, you may be able to recoup the cost with the rewards you earn.

To view other options, check out WalletHub's picks for the best credit cards to build credit.

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

1. Visit the card's online page and click on “Apply Now.”
2. Enter your phone number in the appropriate field and select “Get Card.”
3. Click on “Get Started” and follow the instructions on screen.
4. Provide the required...

Yes, you can rent a car with your Atlas Credit Card, but it's not guaranteed to work. Even though rental agencies generally accept credit cards, Atlas may still decline the transaction. There are also other limitations that cardholders should be aware of before renting a car, like potential restrictions on international transactions and authorization holds that may exceed the credit limit. 

What to Know Before Renting a Car With the Atlas Credit Card

• Not Guaranteed to...

To cancel an Atlas Credit Card, log in to the Atlas mobile app. From the menu, select "Support", then go to "Account Management" and choose the "Cancel Account" option. Cardholders can also cancel their account by sending an email to [email protected].

Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. In addition, if...

The Atlas Credit Card minimum payment is equal to the full balance shown on your statement. If you don't pay this amount by the due date, your account may go into default. In that case, it could be suspended or closed, and the issuer may even pursue legal action to recover the debt. Missing the minimum payment can also hurt your credit score.

You can pay your Atlas Credit Card balance through the mobile app (available for iOS and Android) using a linked bank account, debit card, or your Atlas deposit account. The app also offers a Smart Pay feature, which automatically pays your balance each day from your linked account.

No, you cannot use your Atlas Credit Card anywhere. Even though it operates on the Mastercard network, the card can only be used for in-person and online purchases at U.S. merchants.

International use is not currently supported for all cardholders. To check if it's available for you, open the mobile app and navigate to “Settings,” followed by “Security Center” and then ”International Transactions.” If you don't see the option, it means international usage is not enabled for your account.

The Atlas Credit Card does not currently have a sign-up bonus, though it does give ongoing rewards of 0 - 5% cash back on certain purchases, like gas, food delivery and subscriptions.

If you're in the market for an initial bonus, you can compare the best credit card sign-up bonuses from other cards, picked by WalletHub's editors. But keep in mind that rewards bonuses are just one of the many things to consider when deciding which credit card you should get.

The Atlas Credit Card does not have an application processing fee. While some unsecured credit cards for people with damaged credit charge an application processing fee before you open your account, the Atlas Credit Card is not one of them. There are, however, other fees you need to worry about with this card.

Atlas Credit Card Credit Card Fees

• Monthly Fee: $8.99*
• Cash Advance Fee: $2
• Foreign Transaction Fee: $0

Application processing fees are common with unsecured credit cards for bad credit, so if you don't want to waste money on one-time fees, consider applying for a secured credit card. Secured cards do not charge application processing fees. If your credit score improves, you may be eligible for credit cards for fair credit, which also do not charge processing fees.

You can check your credit score for free right here on WalletHub. You'll also get personalized credit card recommendations.

No, the Atlas Credit Card is not considered a prepaid card. Instead, it is a credit card designed for people with bad credit, and it assigns you a credit limit based on your credit profile and linked bank account. This limit can change over time, especially if you set up direct deposit into your Atlas account.

Even though you can add funds to your Atlas account to potentially increase your credit limit, that doesn't make it...