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Basic Information
Property | Value |
|---|---|
Card Name | Atlas Credit Card |
Issuer | Patriot Bank, N.A. |
Network | Mastercard |
Card Type | Credit |
Category | Credit Building, Cashback |
Available In | United States |
Primary Region | North America |
Currency | USD |
The Atlas credit card is issued by the Atlas Fintec. This credit card works on Mastercard network and is one of the best credit cards for rebuilding your credit score. It is also one of the best virtual credit cards in the United States. With 0% APR, No hidden fees, and auto payment features, this card is a must have for beginners credit card holders and people who are not so keen on rewards and benefits and need a card for purchases only.
Fees and Rates
Fee Type | Amount/Rate | Details |
|---|---|---|
Annual Fee | $89 | None - membership fee
required for access to features |
Regular APR | 0% APR | Variable rate |
Intro APR | 0% APR | Not applicable |
Foreign Transaction Fee | None | Waived |
Balance Transfer Fee | N/A | Or minimum fee applies |
Cash Advance Fee | N/A | Or minimum fee applies |
Late Payment Fee | N/A | Maximum amount |
Rewards and Benefits
Reward Feature | Description | Terms |
|---|---|---|
Rewards Type | Cashback | Primary reward currency |
Base Rate | Up to 1x base rate | On all purchases |
Bonus Categories | Subscriptions, Gas stations,
Food delivery, Cafes,
50,000+ partner stores | Enhanced earning |
Bonus Rates | Up to 5% on subscriptions (Netflix, Hulu),
up to 3% on daily essentials,
up to 10% at partner stores,
up to 100% on Lucky Swipes | Category specific |
Sign-up Bonus |
| New cardholders only |
Bonus Requirement | Successful signs up and account activation | Spending threshold |
Rewards Expiration | If not participated in the program,
the reward will cancel automatically. | Expiry policy |
Transfer Partners | None; Cashback Only | External redemption options |
Requirements
Requirement | Specification | Additional Notes |
|---|---|---|
Credit Score | No Credit/Poor/Fair/Good/Excellent
- All accepted | Varies by profile |
Minimum Income | Not specified | Annual income requirement |
Employment | Not required | Employment verification |
Credit Limit Range | Variable, based on bank account analysis.
The credit limit range may grow over time | Based on creditworthiness |
Grace Period | N/A | Interest-free period |
Minimum Payment | Pay entire balance amount
by the Due Date each month. | Monthly payment requirement |
Credit Card Features
Feature | Availability | Description |
|---|---|---|
Mobile App | Available | Smartphone application |
Digital Wallet Support | Supported | Apple Pay, Google Pay, Samsung Pay |
Contactless Payment | Yes | Tap to pay functionality |
Virtual Card Numbers | Available | Online shopping security |
Spending Alerts | Available | Transaction notifications |
Chip and PIN | Supported | EMV security technology |
Fraud Protection | Standard | 24/7 fraud monitoring,
instant card blocking via app,
two-factor authentication |
Zero Liability | Yes | Fraud protection coverage |
Customer Service and Support
Service Type | Details | Availability |
|---|---|---|
Customer Service Hours | 7 days a week via chat and email support.
Support link - https://www.atlasfin.com/support | Phone support |
Support Channels | Help Articles, In-app chat,
email (support@atlasfin.com),
phone (415) 417-1706 - voicemail only | Multiple options |
International Support | Domestic only | No |
Instant Approval | Available for qualified applicants | Yes |
Application Time | 2-5 Minutes | Online application |
Required Documents | Identity verification and
bank account linking via Plaid | At application |
Card Delivery | Instant virtual card access,
physical card needs separate request | Upon approval |
User and Expert Ratings
Rating Category | Star Rating | Score | Description |
|---|---|---|---|
Overall Rating | ★★★★★ | 4.8/5 | Overall card performance |
Rewards Program | ★★★★★ | 4.5/5 | Earning potential and value |
Fees & Costs | ★★★★☆ | 3.5/5 | Cost competitiveness |
Customer Service | ★★★★☆ | 4.2/5 | Support quality |
Ease of Approval | ★★★★★ | 5.0/5 | Application accessibility |
Digital Experience | ★★★★★ | 4.6/5 | App and online features |
Compare with Other Cards
Comparison Tool |
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