Atlas makes it easy to access credit—no matter your starting point.
What to know
Atlas is open to everyone who completes identity verification and links a primary bank account.
No credit history required—you can start building from scratch.
Your limit can grow as you use the card responsibly over time.
Once you’re approved, you can start using your Atlas card to build credit, grow your Spend Power, and earn rewards.
FAQs
Q: Do I need a good credit score to qualify?
A: No—Atlas doesn’t run credit checks. Just verify your ID and link your bank.
Q: What if I don’t get approved?
A: Most users qualify after completing setup. If not, Support can help.
Q: Can I qualify without a job or steady income?
A: You don’t need to show income to apply—Atlas looks at your overall account activity and linked bank info.