Atlas - Rewards Credit Card is a financial technology company that offers a modern credit card solution designed to assist individuals in building credit while earning cash back. The card is notable for its higher approval rates, making it accessible to those without an existing credit history. Customers can apply swiftly through the Atlas app, receiving approval in under two minutes. The Atlas credit card features a rewards program that allows users to earn cash back at over 50,000 locations, including popular subscription services and everyday essentials. Additionally, Atlas provides integrated services such as a subscription manager and early paycheck access, all bundled at a competitive price. The company's target market includes individuals seeking to establish or improve their credit score while enjoying financial rewards and benefits.
Atlas - Rewards Credit Card receives high praise from many users, with 87% of reviews reflecting a positive experience. Customers frequently highlight the significant boost to their credit scores, with several noting that Atlas has been instrumental in their financial recovery.
The application process is described as seamless and straightforward, making it easy for new users to get started. However, some reviewers express frustration with account management issues, including difficulties in resetting passwords and closing accounts, which detracts from the overall experience. Despite these complaints, the majority of feedback emphasizes the helpfulness of the staff and the effectiveness of the credit-building features. Overall, Atlas is well-regarded for its credit support, though there are notable areas for improvement in customer service.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.5 | 60 | 100% | ● Medium |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Aug 25 | 4.6 | 38 |
| Sep 25 | 4.3 | 22 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Credit card was easy to apply for the approval process was seamless and Quick”
“I'm I always email them asking them if they could reset my password or help me get log back onto my account and I hav...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Credit Cards.
| Company | Overall | Legit | Service | Website & app | Trend | Reviews |
|---|---|---|---|---|---|---|
 | 4.5 out of 5 (good) | 100 out of 100 | 3.4 out of 5 (fair) | 4.6 out of 5 (good) | — | 60 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | 3.0 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.6 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.0 out of 5 (good) | — | 1,060 |
Bottom line: Atlas - Rewards Credit Card is #4 of 5 on overall rating in this group. On service, JustCover Travel Insurance scores higher (4.9 vs 3.4).
60 reviews of Atlas - Rewards Credit Card. Filter by what matters to you.
Over a year ago
I'm I always email them asking them if they could reset my password or help me get log back onto my account and I haven't been on my account in a while and I know y'all been taking money out of my ban... See more
Over a year ago
I have increased my credit score and Atlas helped me in time of need financially.
Over a year ago
Very pleasant and very helpful thank you very much
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
I'm I always email them asking them if they could reset my password or help me get log back onto my account and I haven't been on my account in a while and I know y'all been taking money out of my bank account and putting it on there
its a joke ..they don't issue debit cards even though direct deposit is set up. I had a problem with a unauthorized charge and I have been trying to talk to someone for two days and no response, meanwhile my account is locked and have no access to my funds and cant call anyone because they don't have a contact number; absolutely terrible. I'm in the process of filing a formal complaint against them with the FDIC. Terrible customer service compounded by the fact you can't get anyone on the phone. It's the worst banking set up I have ever seen and they should not be allowed to operate or conduct business in the USA.
I have increased my credit score and Atlas helped me in time of need financially.
Very pleasant and very helpful thank you very much
6 months later and my credit score is getting back to where it should be atlas is the ultimate go to for rebuilding credit
It can get a bit confusing but all in all fun way to toggle yer money around to build credit.
Love it it helped boost my credit a lot can get loans and all not love it
Edited to add... account is still open and they refuse to close it despite 10 tickets and 35 enails. Edit to add - despite what is stated in their response, they have not resolved the issue at all and the account is now restricted instead of closed as requested on August 28th 2025 following their quadruple confirmation to cancel policy. Canceled my account weeks ago and they are still charging me. Can't reach anyone and their AI chat bot is absolutely no help. Business lacks customer support. I turned off auto draft and they turned it back on. Scam tactics to get you to apply. I received none of the benefits they listed and a $10 credit for my mid 600s credit score. Never received my card either. Update-Currently going back and forth with 25 emails and despite submitting two cancelation notices and going thru the whole cancelation process on Aug 28,2025, my account is still open and they are refusing to cancel or close the account. Stay far away from this company. I had to choose to confirm to cancel 4 times and they still refuse to close the account and are attempting to charge my bank. My uncle is a lawyer and looking for other clients they have done this to so he can file a class action lawsuit. I'm very sure I'm not the only one they are scamming.
Transaction went well
Credit card was easy to apply for the approval process was seamless and Quick!!
It's very intresting think that book readers Like that type of sub.
I love it . It is such an easier way to save and build
It was simple to use
Most easiest banking I've ever experienced. Easy to understand and comprehend. Totally recommend it. Don't wait try today
I love the car got customer help me build my credit
it wad my first experience with having a credit card and it was easy to understand and navigate through out the app. ive only seen improvement since ive joined
Atlas - Rewards Credit Card is a financial technology company that offers a modern credit card solution designed to assist individuals in building credit while earning cash back. The card is notable for its higher approval rates, making it accessible to those without an existing credit history. Customers can apply swiftly through the Atlas app, receiving approval in under two minutes. The Atlas credit card features a rewards program that allows users to earn cash back at over 50,000 locations, including popular subscription services and everyday essentials. Additionally, Atlas provides integrated services such as a subscription manager and early paycheck access, all bundled at a competitive price. The company's target market includes individuals seeking to establish or improve their credit score while enjoying financial rewards and benefits.
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