Atlas - Rewards Credit Card Reviews

by To_Infuriated_And_Beyond!

I can’t rate Atlas 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 Atlas 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.

by Peeved22

This 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 this app 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 Atlas.

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 this app on my credit if I can’t have more than $10?? Useless.

by Samp Sizzle

Absolute garbage I had the account before and I wanted a new one just for security and I didn’t have my ID so they couldn’t verify my second my new account although it was already the same exact one as the last one therefore, my money was stuck on this stinking account while my son and I were stranded 2 1/2 hours away from home and I could not access my money to pay for my motel food or the car part I needed yet they kept beating me around the bush, saying to be patient. how do you be patient when you have to pay to stay somewhere when you need money ASAP here it is a week later and I still have not accessed my money. They came from my school from my hard work, because they didn’t like the way my ID looked. I hate Atlas and I highly highly recommend it. Customer service is the worst worst unless you like to write emails back-and-forth highly disappointed let me down made me starve almost went homeless all because my ID didn’t look as good as they wanted to although every other little thing to T was good

by Apollobeatz

Was excited to open this account, me and my partner were using it for basic expenses for a couple months. It was added to my credit report and everything was going fine, we were getting an increase in our limit every month and making our payments accordingly. Then out of the blue I get an email that they are closing my account due to not being able to verify my identity and I have reached out to their support multiple times over the past couple weeks. I get computer generated responses that say the same thing. Can’t reach anyone to fix this issue as we would like to keep the credit line and if my account is closed will be detrimental to my credit for opening and closing so quickly. Beware of this virtual credit card!

by Ellasophia09

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!

by True To My Word 8919

Be careful when funding this account I funded it $200 thinking OK cool I will just use it for my gas well right after I funded it and asked for me to upload a picture of my ID I had recently lost my ID so I would have to order a new one which will take 7 to 10 business days and I understand the reasons why I need to verify ID but you should be allowed to refund the money that you just put on there back to your account. They do not do that and I did not have the gas to get to work and I lost a very good job, it seems like everyone I talk to just you copy and paste messages and that’s it. It could be a great app could be a great card. It could jump your credit score a lot I don’t know all I know is that they caused me to lose my job or I guess you could say I caused myself to lose it because I should always have my ID, but it was the fact that they wouldn’t refund my money until my ID came in but it’s OK. Life happens I guess.

by XdMaC3o3

Atlas won’t let you close your account until you pay off the balance even though it’s all your money! They won’t let me close my account till I pay back money that I deposited into the account ! They are trying to take my money that is not theirs just so I can close my account. Also they charge your bank with no permission anytime they want and it doesn’t go through instantly. Atlas is not it. Please trust me don’t use it you won’t be able to cancel your account unless you pay money that was yours to begin with ! They never gave me a single $$ yet u have to pay them my balance that I deposited just to close my account. Not fair not right at all. I have to open a whole new bank account just bc I can not unhook my bank account to this card! It’s a whole scam the support teams is slow to respond and they don’t care ! Stay away. Trust. Love. These guys don’t care. Slow to respond and asking for $$$ that was never theirs just to close my account.

by Rachel4396

Had 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

by Truthteller52

They take your money, which in my case was funded straight from payroll. They freeze your account for no reason and take all the money you have used to fund it and keep it. In order to release it you have to pay them back for money they never loaned you . Yes, read that. They want you to give them back what they never gave. If you deposited 200 dollars. They want you to give them 200 to release it. So your out of the 200 dollars and they are out of nothing because they have frozen and stole your funds . Pay for your own money to get retuned Even with proof. Believe all of the reviews that say tell you this same exact story . The good ones are paid reviews and that is obvious. They froze mine immediately when I decided to disconnect my payroll. They already had money of mine and I wasn’t allowing them to steal anymore . So they just stole and kept what they already had. This is worth an investigation . It’s got to start somewhere. Out in California living the life off of stealing from innocent people. Shame. You’ve been warned. This is a complete scam!

by Johnsicks

I am going to file a huge lawsuit against your company. You make all of these claims of approval rate being high, of course it is! $10 limit, $9 monthly fee, makes it really a $1 limit. That has got to be the most disrespectful offer ever, might as well deny me, but obviously its more profitable to approve. If you all leave a negative mark that my account is closed, when I barely had it for 25 minutes, I found out about the $1 limit only after giving them every single piece of personal info and going through a full sign up process!

They dont tell you the range of credit limit possibilities!! So most people would assume it is at least $100, which would be the least amount that is reasonable based on the fee. And their software shows I have been receiving direct deposits for only 1.5/ 6 of the last months. Impossible, and the reported income/spend is almost 3 times my income for that month that is recorded. Overall, you all have opened a grand door to maybe one of the biggest law suits ever.

by Deku3d

I thought this would be a great service to get my credit back on track. However, the entire sign-up and support from this app has been terrible. I get to the point in account creation where I have to verify my email. The email verification comes through, when I click on it I’m redirected to page informing me the link as expired. I thought I can sign in my email and password to trigger the email verification but when I do I get this message, “Error: The user account has been disabled by an administrator.” I emailed support and I was told troubleshooting was done on their side and I was instructed to try to sign in again. When I tried the error message still was there! Eventually, I asked if it’s better to do account set up with a different email address. The representative suggested that I try. I tried a different email and got to the point where I enter my financial information. Once I entered my financial information, the continue button doesn’t move the page forward. I went through the application on my iPhone on Safari browser and on my Windows computer on Firefox browser the same issues continue.

I would not recommend this card due to this app being unable to resolve this issue.

by Rev.Fox

I 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 Atlas would help with that. After giving it some thought, and **trying** to read up about Atlas 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 Atlas 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.

by BellRainesJ

I allowed my deposit from my pay check go into my this app account for the first and last time. I can’t access my money because my account is locked the reason is unclear. I’m not able to speak to anyone other than boys in chat or email or text. However, it’s all redundant because it’s day on the chat for quick response email. But on the email it’s say for quicker go to Atlas and message or you have the option of texting. I’m sorry but as soon as this is fixed I am pulling my money and closing the account with this app their is too many different cards that are better. I was using chime and I loved it especially the credit building card and highly recommend Chime. I’m sorry but nothing takes two days to fix on your account that my money will be locked up with no communication whatsoever from a human and no solutions I hope I get my money back don’t try this app it’s horrible feeling to have your money locked up!

by BeautifulBoriqua18

Straight to the point, yes ur funds are not safe here. There was an unfamiliar charge that appeared, this app 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 this app 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.

by DIDITea

Don’t listen to the 5 star reviews they offered $5 for a good review in Atlas Store so those are liars or their staff. It’s a definite scam. And my lawyer says if they don’t close the account after I told them to and try to charge me or report it negatively to my account that I have grounds to sue. So I’m just waiting for them to try that angle so I can sue them for refusing to close the account. Customer Service is terrible. Takes a week for them to get back to you. Then when you respond it takes another week for them to reply. There’s no contact number and since I decided I wanted to they decided they wanted me to pay a balance off that I deposited. Nowhere in the history of a secured credit card do you have to pay off a balance that belongs to you.

by Unsatisfied Customer1987

The idea of this app 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 this app 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 this app 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.

by Bbbbbtinkytinky 17

They take out whatever money you spend the next day , so if you need time to pay it or until payday it won’t be much help. They say they report to the credit bureau’s but I’ve had them for almost a year and my in time payments with them never show up. Whatever money you put into the account is what they’ll allow you to spend and only twice have I gotten a $5 increase to my credit limit which isn’t anything at all for being a customer for almost a year. Once they take this last payment I’ll be leaving as a customer. Save yourself some time and go with a nice secure credit card with a well known company. Do your research and build credit with them. When I had Self credit it was much better I mite go back to them.

by Knacg93

Credit 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. 🤔

by Malexander01

The this app 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. Atlas '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 this app 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

by Building Credit Now

So 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 this app… 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 Atlas has so many different bonus incentives and perks and is easy to use … thank you soo much!!

by Follow My IG Mr.1kzaeyy

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 this app, 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 Atlas so if your like me trying to work on your credit score you can go into Atlas whenever you want and see where your numbers are at.

by Frank From Baltimore

I recently signed up for the this app 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 this app Mastercard is excellent for anyone looking to build or rebuild their credit while enjoying useful perks. Highly recommended!

by Hopeb757

I'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.

by MOMster727

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 this app, 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 Atlas so if your like me trying to work on your credit score you can go into Atlas 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 this app 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. this app has been a saving grace in helping me accomplish just that!

by East$1de

Credit 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.

by Moodyboody1880

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 this app 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 Atlas for you. Don’t take my word for it try it yourself.

by That Dude13

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 this app 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!!!

by Negjakmel

Yes this app, this app, this app, this card is really lives on to its name, this app 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, this app 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, this app 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 this app, thank you, best card ever 🙏🏾❤️❤️❤️❤️❤️

by Bahahahaha..............

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 this app, 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 Atlas so if your like me trying to work on your credit score you can go into Atlas 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 this app for giving customers like me a second chance at a credit card as well as helping us build our credit back up!

by Mmart1014

Life 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. this app 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 this app Credit!). While I’m still quite a ways from getting to that point where I can truly be independent, this app 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!!

by RamaadW

As a new banker, having the opportunity to review the this app Rewards Credit Card has been advantageous. The this app 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 this app 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.

by TheFlyingBassAce

I really love the this app 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.

by Alex Hemmah 89

I’ve been using the this app 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 this app 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.

by GBG.079th

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 this app, 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 Atlas so if your like me trying to work on your credit score you can go into Atlas whenever you want and see where your numbers are at.

by Hhskkskksska

Hello! I'm really enjoying Atlas 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. Atlas '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 Atlas and looking forward to seeing what the future holds. Have a great day!"

by Another Let Down Of Course

So far I’ve had a great experience with this app. 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 this app 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 Atlas (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 Atlas!! Crystal

by Bunni72

I was skeptical about applying for the this app 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 this app 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 Atlas 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 this app credit card.
Thanks this app

by Bedialuneta

this app 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 this app 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. Atlas provides timely notifications and reminders, ensuring I never miss a payment, which is crucial for maintaining good credit.

Additionally, the this app 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.

by Modenapsu

this app is the perfect app for someone with less than perfect credit who wants to improve their credit score. Atlas 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 Atlas , one will reap so much more value than $9. Literally Atlas 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! this app 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.

by Size 2

So this is my second time sending a review. And not because of anything negative, but because I must’ve done something wrong, to where it does not show up under reviews. And I want this app to get credit where credit is earned!! Just like a lot of other apps that promise to give you something for payment of a subscription or they try and give you some type of guarantee that you’ll come out gaining only with their app, THIS ONE IS LEGIT! I am a firm believer in rebuilding Credit, cleaning my name, and having the end result of that be very rewarding. I received not one, but two and my credit rating hasn’t even changed because my account is still new and growing. But everything Atlas promises, you can rest of sure you will receive. You get what you pay for, and this is so worth the money and the time!! DO NOT DOWNLOAD ANYTHING ELSE

by Mick_1203

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 this app 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?

by Alisa F.

I 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.

by MadiChu666

I was sort of skeptical when I first signed up for Atlas, 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 Atlas breaks down all kinds of credit knowledge for you so that you can start really actually being more financially literate over time. 10/10

by Rokk0825

This 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 this app to everyone that wants help in building their credit score and has been denied by every other credit card. Download this app now and apply!

by Mmmmmmwqpf

I’m new to this app 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.

by Guilherme Patri

At the moment that I went trough this app description of services I knew it was what I was looking for . CREDIT BUILDER. easy signup , after the first 2 months my credit went up significantly. I would suggest for anyone that is working on your credit to have this app as your partner to rebuild your credit . Easy access , Atlas navigate you trough the process , spending habits that need to be improved, credit score analysis , financial tips to help you grow your credit , everything that you need on Atlas . Thanks this app for provide a outstanding customer service and management.

by Tankk Tankk ;

Life 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. this app 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 this app Credit!). While I'm still quite a ways from getting to that point where I can truly be independent, this app 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!!

by Shell Den Cam 9-11-16

I was just scrolling through my App Store and I came across this app 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 this app 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 this app and I promise you will not be disappointed! this app THANK YOU SO MUCH FOR HELPING ME! You are WONDERFUL!

by VickiBby26

Honestly I was in a deep hole with my credit score a few months ago. I was looking high and low for a something that would help me rebuild my credit score back up and I ended up finding this app. They start you off with a decent amount like $25 and then as you make you monthly on time payments they add more. It actually sends you credit reports to the bureaus. I’ve seen my credit score move up over the last twi months of me having them as a rebuilder( opened my account in December and seen a difference pretty quickly.💯). I’d recommend Atlas to those who’s really trying to fix there credit score with out the extra issues. Atlas is for you!!

by C.M. Coleman

I usually don’t write app reviews, but Atlas is different. They approved me when my credit wasn’t the best and made the process simple and easy. The card gives you rewards and accessible ways to boost your credit limit. This card is great for people with zero to bad credit, as well as people who wish to use different cards for different things, as I use this card for minor bills such as my cellphone service, streaming services, eating out, etc. One of the co-founders and CEO, Zane, reaches out to you to get feedback on how to improve the user experience, which I think more company leaders should do. All in all, a great app for those who need it.

by Jada Lael

I absolutely LOVE Atlas . I first came in contact with the source from incorrect grammar and psychology mix ups. Ended up applying for a membership and a 1k card only to find out it’s points I earn. Even then point turn into cash and Atlas has almost 6 plus credit building , money financing , tool saving , resource finding sources in Atlas and I love every last bit of them! Atlas has been such a huge help within the first 10 -20 minutes of usuing it and getting everything connected ! I would LOVE to continue this journey and see how much progress Atlas brings along. Such a great pathway created ! I love this! this app ✨‼️

-@Jada_Lael

by DayneeB13

I’ve had such a hard time getting a credit card, just trying to rebuild my credit. This card was approved in literally seconds. It is great and Atlas is so easy to use to keep track of everything. Love that it helps me to track my spending too!! It has a tiered reward program that helps you earn money back on almost anything and everything. Even websites and companies I’ve used Id never expected to see on those types of rewards programs. I definitely recommend this card to everyone I know and even those I dont. If you’re hesitant please don’t be. It’s definitely worth it.

by Elllljay

Amazing that your own income you already receive from a job or benefits is easily translated into a line of credit that can be used via a secured credit card anywhere MasterCard is accepted. AutoPay options prevent missed payments so payment history remains in good standing, which is a major part of your credit score. Also helps with credit utilization and credit mix. Process was effortless and cost is less than 10 bucks per month. Highly suggested if trying to build credit and you have a steady income...

by Frsasherf

I’ve been using this app for a month now, and I appreciate the ease of Atlas (a lot). Now that I’m older and a bit wiser, I’ve only been using the card for train tickets when I have to go into the office. I appreciate the ability to increase your credit through deposits and the like, but mostly I appreciate the automated payment back to the card. Highly recommend this card to rebuild your credit if you ruined it in your 20s like I did. Within a month my score went up 40 pts. Definitely sign up!

by Niecey_88

this app so far has been great. I did have a problem recently with a payment but it worked out. The only downside I don’t care for regarding this app is the customer support, I want to actually speak to someone when I am having a problem, like I did above regarding my payment. I did chat with someone that took a few days to respond. But they DID respond and kept me updated.

It’s just when it comes to things like money and payments, you want to speak to someone and get it right or clarified right then. Another thing that is a downside is to get the really good deals on cash back and points you have to have tiers, which is understandable but why must I put in $200? Why can’t the amount be less than that?
If they get actual phone support and lessen the amount to put in for tiers it would be an amazing app!

But overall I enjoy this app, the points and cash back. GREAT JOB

by Dissatified Parent

If you haven’t already then you need to hurry up and get Atlas. this app is heaven sent. I love this card it has given me more financial freedom than any other card. Lots of cards make promises only to see no changes but with this app you will see what this credit card that actually builds your credit can do for you. Although I’ve only had it a few months this card is one of the best out there. They offer cash back on thing you buy everyday and the rewards point scale is amazing. I’m grateful to have stumbled across a rare jewel.

by MommyCharMUE

If you have bad credit and want to boost your score, or just want to boost your credit score try Atlas! Doesn’t matter what your score is they help you by reporting to the credit bureaus and they base your spend amt on your banking history. It’s got auto pay so it automatically pays your balance off (if you want it, you can disable) each week and reports that you have low credit usage which is great at boosting your score. You’ve got nothing to lose, I can’t recommend it enough

by Po'D User!!

I was skeptical about this at first. However I have to say it truly is an amazing service and is dedicated to helping everyone out! I may have started with a low spending balance but I can build it up every month on top of adding a deposit to it as well to increase my spending balance! Already made an impact on my credit score as well!! After 1 month! Can’t wait to see what the next 2 months hold and will give an update but so far I’m absolutely in love!! Thank you this app!

by Kid Stokes

The this app credit card is a great option for people who are looking to build their credit score. It is specifically designed for people with poor credit, so it is easy to get approved. The card comes with a generous credit limit that can help you manage your finances better. The team at this app is also very responsive and helpful, so you can be sure that you will get the support you need. While there are some negative reviews online, it is important to note that every credit card has its pros and cons. The this app credit card is no exception. However, if you are looking for a credit card that can help you build your credit score and manage your finances better, then the this app credit card is definitely worth considering.

by QuayRom

I love this app!!! At first I was a little skeptical about it because I didn’t take the time out to learn how Atlas worked. I started out with $8 credit which then went up to $10. I didn’t think anything of it. I started using the small amount for Uber trips and that’s when I noticed I kept getting increases on my credit limit and my credit score had gone up 30 points. My current credit limit is $25 and that’s only from using the starting credit this app gave me. The more you use Atlas you get points which in turn turns into credit limit. I have yet to make a deposit of my own money but after these results from my points alone, next paycheck is going to the this app app deposit!!!!

by Started From The Bottom, Now

The features that this app provides for its customers are unbelievable for the price that it cost for those rebuilding credit card. There are many other companies out there, but they charge way more and at the low price of $8.99 to get started it helped out my credit score with a 25 points almost right off the jump to see instant results like that that’s what everybody wants and what everybody’s looking for So using this app on every day expenses only has helped my credit score to jump up even further. Thank you for assisting my credit score to where it’s at. Hope to get to my goal one day and I don’t think it would’ve been possible without this app.

by Jus Rasool

I’ve had this card since July and my score has went from a low 498 to a whopping 676 within just 5 months. I’ve never been into credit, established any or knew anything about it at all other than I needed it to obtain certain things I wanted. So, I seen this ad on social media for this card (after being turned down for the ones I tired to apply for) and took and chance and it’s really paying off. My score is the highest it’s ever been and I’m truly proud of myself for just taking a chance. I now have an actual credit card with with a major brand and I’m truly on the road to a better and more rewarding credit future. Thanks this app! 💯

by Mike W - Kansas City

As someone with some debt and poor credit rating, I was really hoping to find a reliable solution to get back where I want to be financially. When I came across this app, I will admit I was skeptical at first because there are a lot of apps and vendors out there that make some serious claims, fortunately I have found that all the claims this app made were true. The secure card allows me to spend responsibly while rebuilding my credit and also get cash back through various vendors. Also if you connect your direct deposit they will bump your credit line even more. Would definitely recommend this to anyone looking to better themselves financially.

by Nitew9876

Beautiful user interface and easy to navigate and understand. this app is a great tool to properly budget and to reign in bad spending habits. It is a great way to build credit while earning points, prizes and peace of mind knowing you won’t over leverage yourself. The cash back % on everyday services and subscriptions are excellent. If you have any questions about Atlas or your account, it is super easy getting in touch directly with customer support. They answer promptly and have a very knowledgeable and professional staff. I love this product!