We make it easy for consumers to build credit, access credit, and save money. Our goal is to put money on autopilot to reduce financial stress.
Atlas Reviews
5
75%
4
11%
3
4%
2
1%
1
8%
4.4
1,085 reviews
1,085 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Atlas
medicalserreste @medicalserreste
Report Abuse
1 Star Rating
If I could give this card zero stars, I would. The Atlas Mastercard is a textbook example of overpromising and underdelivering. From the moment you sign up, you're met with glossy marketing about 'exclusive benefits' and 'streamlined service.' Still, the reality is a pile of hidden fees, sluggish customer support, and a rewards program that feels more like a punishment than a perk.
Customer service is either nonexistent or painfully unhelpful, with long wait times and canned responses that fail to resolve issues. The so-called 'rewards' are laughable; earning points feels like chasing smoke, and when you finally accumulate enough, redemption is convoluted and worth pennies on the dollar.
To make matters worse, the card tacks on fees at every opportunity, with fine print designed to trip you up. It's as if the entire business model is based on squeezing the cardholder rather than supporting them. Compared to other cards on the market, the Atlas Mastercard doesn't just lag; it's in a completely different league.
Save yourself the headache and skip this card. There are far better options out there that won't waste your time or money.
show more
show less
Product: Atlas Credit Cards
Comment
0
0
Atlas @AtlasFYI
Hi @medicalserreste, we are sorry to hear about your experience. Upon review, we can see that our customer support team has been on top of your requests and have addressed your concern. In case of any unresolved questions, please do not hesitate to reach back out. Thank you!
show more
show less
Comment
0
0
Atlas
Daphine Jackson @lynn26bell
Report Abuse
5 Star Rating
I'm not usually big on credit cards, but this card is life-changing. It's done so much good I can't stop referring others to utilize it! From the cash back to earning credit builder points, I've been loving every minute of it. If only this card had reached out years ago, I would have perfect credit. I'm grateful to have the knowledge of knowing about it now! I love it here and love the positive perks that you get using this card! Thank you!
Hi Daphine, thank you for your review and for your kind words. We appreciate it.
show more
show less
Comment
0
0
Atlas
misty volner @volnermisty7
Report Abuse
1 Star Rating
Atlas hasn't been reporting any of my payments, all of which have been made early. Upon reporting this to them and the credit bureaus, Atlas threatened to close my account and mark my credit with them as in bad standing. I wish I had never signed up with them and I encourage others not to do so.
show more
show less
Product: Atlas Credit Cards
Comment
0
0
Atlas @AtlasFYI
Hi Misty, we are sorry to hear about your experience and apologize for the inconvenience caused. We can see that our team has addressed your concern and your response is awaited. In case you are in need of further assistance, please contact our support team at [email protected]. Thanks
show more
show less
Comment
0
0
Atlas
greerbarnett3434 @greerbarnett3434
Report Abuse
1 Star Rating
"I opened my Atlas account with my personal information, verified my bank information through my bank, then verified my debit card information in two different financial companies. Atlas happily allowed me to make a deposit and pay back the balances with their fees along the way, and they even increased my spendable balance. I added another larger deposit with the same information from the same institution that had been verified as mine, and now they have completely restricted my account and my funds for a week so they can verify my government ID. I was almost paralyzed in a wreck in February and lost everything in my wallet, including my ID. I may never drive again, but they want me to get a DMV-issued ID and won't even accept my voter registration card. I can literally vote for president with it, but I can't access my $65. It is both cruel and unusual. Worse, I had just moved the little bit of money I have per week over to Atlas for recurring after-school care for my daughter. So it's gone from my bank and frozen by Atlas for days, even after demanding closure of my account and immediate return of the funds to the original paying institution (my bank). They won't let me remove my bank information now, even though I sit without owing Atlas anything, and they are just stalling and using AI responses to frustrate us. If anyone is receiving the same treatment, then we need to create a group. There's no telling how many people have unexpectedly had to provide information that wasn't mandatory to give them money. It's their business model to make us give in and quit so they can take advantage. Not me.
show more
show less
Product: Atlas Credit Cards
Comment
0
0
Atlas @AtlasFYI
Hi @greerbarnett3434, we're truly sorry to hear about your experience. We've already flagged your account to our support team, and they’ve reached out to assist you.
When you have a moment, please check your inbox for their email and reply at your earliest convenience so we can help resolve the issue as quickly as possible. We're here to support you every step of the way.
Thank you for your patience!
show more
show less
Comment
0
0
Atlas
Felecia Muse @feleciamuse
Report Abuse
5 Star Rating
Atlas has been a good credit builder for me. They understand my payment arrangements and how I'm going to pay. I will be paying it off today as well, so I can utilize it more. Overall, they're great.
show more
show less
Product: Atlas Credit Cards
Comment
0
0
Atlas @AtlasFYI
Hi Felecia, thank you for your review!
We appreciate your positive comments and are glad to know that Atlas is helping you in your credit building journey.
Please feel free to contact us at [email protected] in case you are in need of any assistance.
Warm Regards!
show more
show less
Comment
0
0
Atlas
Narriman Taylor @suwaneelady
Report Abuse
1 Star Rating
Terrible customer service. Unable to contact merchant via phone. Unable to obtain information about account cancellation. If I could give this merchant a negative 10, I gladly would!
Hi Narriman, I can confirm that our Customer Support team has already closed your account and communicated this with you.
For more information on our cancellation process, please see https://help.atlasfin.com/en/articles/7263937-how-do-i-cancel-my-account.
Should you need any further assistance, please don’t hesitate to reach out to us at [email protected] — we’re always happy to help.
Thank you!
show more
show less
Comment
0
0
Atlas
Richard Bradner @richardb_671
Report Abuse
5 Star Rating
Has helped my credit increase a significant amount in just the first month alone! It's great for people with bad credit; just be sure to pay before the due date as the interest is extremely high.
show more
show less
Product: Atlas Credit Cards
Comment
0
0
Atlas @AtlasFYI
Hi Richard, thank you for rating us. The Atlas Card blends unsecured and secured credit, offering 0% APR and great rewards on your spending. You can fine more information at https://www.atlasfin.com/#features.
show more
show less
Comment
0
0
Atlas
Christina Sailors @chrissy_sailors
Report Abuse
1 Star Rating
Stay away. Duplicitous business practices. Not registered with the FDIC or the CFPB. I became a member at the beginning of July, and they immediately charged my checking account $8.99 for the first fee. Then, they charged a second $8.99 fee less than 20 days later. When asked, their response was, "We charge every 28 days," but 20 days is not 28. Mathematically, there was an additional 8-day window. They then started withdrawing $10 weekly from my checking account. When I stated this wasn't authorized, they responded rudely about how savings affect my score. Immediately afterward, they started withdrawing more money. I told them to cease all automatic payments from my checking account. Today, I was hit once again with another $150 charge. When I asked why automatic payments were still occurring, the representative gave no answer other than she would send it to a Specialty Team, and I should hear something in 24 hours. Mind you, she used the word should, not would. Despite all this, I had set up a direct deposit from my pay to this account. I was supposed to get a metal card, but instead, it took over a month to receive a physical card, and the virtual one they provided was compromised within hours. So, I tried filing complaints with the FDIC and the CFPB, and this company is not listed, which means your funds are not protected, and in their mind, they do not have to follow regulatory practices. If you want to boost your score, get a secured credit card with a recognized company. With this one, run the other way.
Hi Christina, we’re sorry to hear about your experience and truly appreciate you reaching out. Upon review, we can confirm that our support team has been actively addressing your requests.
Your dispute claim was denied because the transaction in question was declined and never posted to your account. Regarding your cancellation request, we confirm that your account has been closed and a refund of your deposit has been initiated. This refund should reflect in your bank account within 3–5 business days.
If you have any further questions or concerns, please don’t hesitate to contact us at [email protected] — we’re here to help.
Thank you!
show more
show less
Comment
0
0
Atlas
Jessica Woods @jessicawoods87
Report Abuse
5 Star Rating
Great way to raise your credit scores! Easy way to keep track of spending and your credit scores. Super easy to navigate app. I love this card!
show more
show less
Product: Atlas Credit Cards
Comment
0
0
Atlas @AtlasFYI
Hi Jessica, thank you for your review. We appreciate it!
show more
show less
Comment
0
0
Atlas
Rebecca Glaspie @rkreager60
Report Abuse
5 Star Rating
Great way to better my credit scores. I am glad I found this method. I am looking forward to learning to manage my debt and getting my scores higher. Thank you.
show more
show less
Product: Atlas Credit Cards
Comment
0
0
Atlas @AtlasFYI
Hi Rebecca, thank you for your review. We appreciate it!
show more
show less
Comment
0
0
Atlas
katie Fogarty @Kfogarty86
Report Abuse
1 Star Rating
NO WAY TO CANCEL OR CLOSE ACCOUNTS. I have sent several requests and made several attempts. So far, I have had no luck. CLOSE MY ACCOUNT.
show more
show less
Product: Atlas Credit Cards
Comment
0
0
Atlas @AtlasFYI
Hi Katie, we’re sorry to hear about your experience. We've gone ahead and closed your account. For more information on our cancellation process, please see https://help.atlasfin.com/en/articles/7263937-how-do-i-cancel-my-account.
If there's anything else we can assist you with, please reach out to us at [email protected]. Thank you!
show more
show less
Comment
0
0
Atlas
Christine Rodriguez @christiner_54
Report Abuse
1 Star Rating
Horrible. I paid off my balance and asked to close my account, but they are refusing to do anything about it. I have emailed them every week for months and get ignored.
show more
show less
Product: Atlas Credit Cards
Comment
0
0
Atlas @AtlasFYI
Hi Christine, we're sorry to hear about your experience. To help us look into this further, please email us at [email protected] with your full name, email address and phone number so we can locate your account and assist you promptly. Thank you!
show more
show less
Comment
0
0
Atlas
La LEWIS @Smokie7363
Report Abuse
1 Star Rating
Atlas for people with bad credit or no credit history! This is a bogus account; don't be foolish and fall for the good without seeing the bad. If anyone I know is reading this, again, don't get the Atlas card, and if you have it, get rid of it. They are scam artists, and you'll be just as frustrated as I am right now. I don't recommend them to anyone. If you're trying to improve your life, don't let Atlas be part of your path; it was the worst experience of my life! Too bad I cnt say how I really feel!!!!!!¡!
show more
show less
Product: Atlas Credit Cards
Comment
0
0
Atlas @AtlasFYI
Hi @Smokie7363, we're sorry to hear that you feel this way. We’d love the opportunity to address any issues you’re facing. Please contact us at [email protected] so we can sort this out. Thank you!
show more
show less
Comment
0
0
Atlas
jawhited @jawhited
Report Abuse
5 Star Rating
This card has been awesome in helping me get my credit score back up and helping me get to where I want to be. Thank you, Atlas, for the second chance.
show more
show less
Product: Atlas Credit Cards
Comment
0
0
Atlas @AtlasFYI
Hi @jawhited, thank you for your review. We appreciate it!
show more
show less
Comment
0
0
Atlas
melanie @couplescritic
Report Abuse
1 Star Rating
I signed up for the Atlas credit card expecting a legitimate product that would help improve my credit—what I got was a textbook example of false advertising and outright exploitation. From the start, the Atlas card was marketed as a tool to help rebuild or boost credit, with the promise of no hidden charges and a manageable experience. The reality could not be further from the truth. The company immediately hit me with exorbitant fees that weren't clearly disclosed, both before and after activation. I was shocked to see my bill balloon for a product that did nothing to help my credit, and in fact, made it worse. As soon as I realized what was happening, I canceled the account—but not before enduring more fees, a frustrating back-and-forth with customer service, and zero refunds for a product that never worked as advertised.
Even after canceling, Atlas left a "closed by credit grantor" mark on my credit report, which has harmed my credit score and made it harder for me to get approved for legitimate products elsewhere. The whole process feels designed to trap consumers: you can't keep it because the fees are predatory, but you can't get rid of it without damaging your credit further.
When I tried to explain the situation and request assistance, their customer service responded with indifference—no accountability, no concern about the harm caused, and no willingness to make things right. Many reviews echo this lack of transparency and real support, describing policies that make it nearly impossible to resolve disputes or get refunds.
I urge anyone considering the Atlas credit card—or any similar "credit builder" product—to think twice. Do your research, check for hidden fees, and be wary of glowing reviews that sound too good to be true. There are reputable ways to build credit out there, but this is not one of them. This company is not worth the risk to your credit or your finances. Avoid at all costs.
show more
show less
Product: Atlas Credit Cards
Comment
1
0
Atlas @AtlasFYI
Hi Melanie, we're sorry to hear about your experience. To help us look into this further, please email us at [email protected] with your full name, email address and phone number so we can locate your account and assist you promptly.
Thank you!
Get answers to your questions about Atlas below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. Ad Disclosure
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 information, like your name and email address, and follow the prompts to set up an account and finish the application.
You can qualify for the Atlas Credit Card even if you have bad credit, and the application process won't trigger a hard inquiry on your credit report. However, before submitting your application, make sure to carefully read the terms and conditions, to understand any fees associated with the account.
Once you apply, you should receive a decision immediately. After your account is opened, reach out to customer service for instructions on how to get a physical card shipped to your address.
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)....
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...
Yes, the Atlas Credit Card can really help you build credit, because it reports monthly to the three major credit bureaus: Experian, TransUnion, and Equifax. So, as long as you use your card responsibly by making timely payments, you should be able to see positive results. Some cardholder reports on forums suggest that the card can indeed improve your credit score, though results can vary case by case.
No, you cannot track the delivery of your Atlas Credit Card. The issuer does not provide a tracking number that new customers can use to check the status of their delivery. The card will be delivered by regular mail at the address on file in 5-10 business days after approval. You'll get an email when the card is ordered and another one with the estimated delivery date. Unfortunately, expedited shipping is not available either.
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...
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.
No, you cannot use your Atlas Credit Card instantly after approval, though you can use it before the physical card arrives. More specifically, you'll be able to create a virtual card to use before your physical card arrives, but your account needs to be activated first.
Activation happens once your initial membership fee is successfully processed, which can take 2–3 days after the payment is initiated.
The Atlas Credit Card cash advance limit is up to the amount that is "Available to Spend," minus any pending balance. For example, if you have $100 available and $50 pending, you can withdraw $50 (not counting ATM fees).
The amount that is available to spend is displayed in the "Credit Card" section of the Atlas mobile app, which is available for Android and iOS devices. Note that the Atlas Credit Card also has daily and monthly withdrawal...
Ad Disclosure: Certain offers,
companies or professionals (collectively “listings”) that appear on this site, originate from paying advertisers.
For full transparency, here is a list of our current advertisers.
Advertising impacts how and where listings appear on this site (including, for
example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array
of offers, companies and professionals, but our listings do not represent all financial services companies
or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does
not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely
independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict
editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch
content, data, and tools. You are responsible for deciding what financial products and providers are best
for your needs.
We work hard to show you up-to-date product terms, however, this information does
not originate from us and thus, we do not guarantee its accuracy.
Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
institution. Please let us
know if you notice any differences.
