{"app_store_id":1617487581,"slug":"atlas-rewards-credit-card-1617487581","name":"Atlas - Rewards Credit Card","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/8d/93/bd/8d93bd3a-9472-71c1-9aff-5223f5cdcbf2/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/atlas-rewards-credit-card/id1617487581?uo=4","price":0,"currency":"USD","rating":4.72581,"rating_count":291793,"in_app_purchases":null,"recent_rating":4.7,"recent_review_count":20,"reviews_checked_at":"2026-10-20T23:29:12.762Z","primary_genre":"Finance","version_date":"2026-10-23T03:05:26Z","updated_at":"2026-10-23T04:22:12.609Z","stale":false,"missing_since":null,"one_liner":"Rewards credit card app offering instant in-app approval, merchant savings up to 10%, built-in auto-pay and credit.","verified_maker":false,"maker_site":null,"file_size_bytes":137549824,"minimum_os":"15.0","content_rating":"4+","language_count":2,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/19/2c/3c/192c3c22-5616-192c-a958-10f131192a93/Frame_5749.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/b1/67/fe/b167fefd-fe15-81aa-ded6-a1dd0a3916ea/Frame_5750.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/6e/7c/5f/6e7c5f0e-13bf-59fb-1ee9-7cd321c76628/Frame_5751.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/bd/8e/66/bd8e6663-28d1-1c89-1ad7-ea697bed439b/Frame_5752.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ed/ed/4b/eded4b11-e3da-f011-80ac-00f6e544659e/Frame_5753.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/55/ab/8c/55ab8ca6-f3e3-addb-a6f0-734a9b4f47ac/Frame_5754.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/9d/75/3e/9d753e6e-22af-73c1-5a6e-ef0be4c191ca/Frame_5755.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/43/6c/da/436cdaaf-351d-daa2-5d82-51e9013c994e/Frame_5756.png/320x480bb.jpg"],"developer_name":"Exto Inc.","editors_choice":null,"url":"https://apptierlist.com/apps/atlas-rewards-credit-card-1617487581/","api_url":"https://apptierlist.com/api/v1/apps/atlas-rewards-credit-card-1617487581","schema_version":"1.0","generated_at":"2026-10-24T04:34:17.399Z","data_as_of":"2026-10-23T18:55:12.768Z","description":"Atlas is a rewards credit card with 4x higher approval rates than traditional credit cards. It’s designed to be easy to get even without an existing credit history.\n\nEASY AND ACCESSIBLE\n4x higher approval rates than traditional credit cards. Get approved instantly without leaving the app.\n\nGROWS WITH YOU\nConnect with 10,000+ banks to determine a safe spending limit you can easily repay without building up a balance. 0% APR ensures you never pay interest. Keep using the card to get higher limits.\n\nSAVES YOU MONEY\nAutomatically save up to 10% at 50,000+ locations of places you love. These include Starbucks, Nike, DoorDash, Shake Shack, Burger King and more. We are always adding national and local savings.\n\nBUILDS YOUR CREDIT\nYou will start building credit with daily transactions. Built in auto-pay ensures that you never have to worry about missing a payment. Track your score in the app and watch it progress on auto-pilot.\nAtlas reports to all 3 major credit bureaus - Equifax, Experian and Transunion.\n\nSAFE AND SECURE\nShut down shady transactions by blocking your card anytime. You also get complete fraud protection that only credit cards offer. Atlas is built with industry leading security best practices in partnership with Patriot Bank and Mastercard.\n\nNO HIDDEN FEES\nSimple pricing: only $8.99 every four weeks\nNo other hidden, or surprise fees\n\n—\n\nAtlas is a financial technology company and state licensed lender, not a bank. Banking services provided by Academy Bank, N.A., Member FDIC. The Atlas Mastercard is issued by our bank partners Patriot Bank N.A. and Academy Bank N.A., pursuant to a license from MasterCard® International Incorporated. \n\nMembership fee, new member program and bonus terms apply, see atlasfin.com/policies for details. For consolidated bonus and reward terms, see atlasfin.com/policies/rewards. The Atlas Card is optional, with an Interest Rate of 0% APR. Credit and Spend Power offered will vary over time. Average 50 point increase in credit score based on 2024 data. Improvement in your credit score is based on your specific situation and financial behavior. Loan services offered through Exto Inc., NMLS ID # 2526784 | Read licenses at https://www.atlasfin.com/atlas-licenses. Services may not be available in all states.","facts":{"developer_id":1617487583,"developer_url":null,"first_released":"2022-06-29T07:00:00Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"6.4.1","release_notes":"Thanks for using Atlas! We update our app regularly to make your experience even better. Every update of our Atlas app includes improvements in speed and reliability, as well as bug fixes and performance improvements. As new features are released, we'll highlight those for you in the app.","rating_current_version":4.72581,"rating_count_current_version":291793,"star_counts":null,"genres":["Finance"],"languages":["EN","ES"],"content_advisories":["Infrequent/Mild Contests"],"device_families":null,"made_for_iphone_duo":null,"chart":null},"freshness":{"apple_read_at":"2026-10-23T04:22:12.609Z","catalog_read_at":null,"reviews_checked_at":"2026-10-20T23:29:12.762Z","summary_written_at":"2026-10-17T23:30:12.205Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-23T18:55:12.768Z"},"editorial":{"one_liner":"Rewards credit card app offering instant in-app approval, merchant savings up to 10%, built-in auto-pay and credit.","what_is":"Atlas is a rewards credit card app from a financial technology company and state licensed lender, with the Atlas Mastercard issued by partner banks. It offers savings of up to 10% at listed merchants, built-in auto-pay, reporting to all three major credit bureaus and the ability to block the card. The listing states pricing of $8.99 every four weeks with no other hidden fees.","good_for":["Building credit through daily card transactions","Shopping at listed merchants such as Starbucks or Nike","People applying without an existing credit history"],"pricing":"Atlas - Rewards Credit Card is free to download on the App Store.","faq":[{"q":"Is there a cost to install the app?","a":"The app is listed as free to download. The listing states a fee of $8.99 every four weeks and says there are no other hidden or surprise fees."},{"q":"Do I need an existing credit history to apply?","a":"The card is designed to be easy to get even without an existing credit history. It also claims 4x higher approval rates than traditional credit cards, with approval available instantly in the app."},{"q":"Does the card report to credit bureaus?","a":"The listing says Atlas reports to all three major credit bureaus, Equifax, Experian and TransUnion, and that you can track your score in the app. It cites an average 50 point increase based on 2024 data and notes that results depend on."}],"model":"claude-haiku-5-5","created_at":"2026-10-17T23:30:12.205Z"},"memberships":[{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":9,"tier":"A","score":85.1,"components":{"rating":94.5,"votes":94.6,"rank":51.4,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"}],"main_list":"credit-building","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":120077,"at":"2026-10-16T04:25:51.882Z","kind":"tier_changed","list":"credit-building","app_store_id":1617487581,"app":"atlas-rewards-credit-card-1617487581","from":null,"to":"A","reason":"checked from the list's side: ranked #8","job":"rescore"},{"id":107102,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"credit-building","app_store_id":1617487581,"app":"atlas-rewards-credit-card-1617487581","from":"A","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":79571,"at":"2026-10-14T13:36:19.778Z","kind":"tier_changed","list":"credit-building","app_store_id":1617487581,"app":"atlas-rewards-credit-card-1617487581","from":"C","to":"A","reason":"score 85","job":"rescore"},{"id":46398,"at":"2026-10-09T17:18:33.693Z","kind":"tier_changed","list":"credit-building","app_store_id":1617487581,"app":"atlas-rewards-credit-card-1617487581","from":"D","to":"C","reason":"score 84.9","job":"rescore"},{"id":38750,"at":"2026-10-09T08:38:03.422Z","kind":"tier_changed","list":"credit-building","app_store_id":1617487581,"app":"atlas-rewards-credit-card-1617487581","from":null,"to":"D","reason":"score 72.3","job":"rescore"},{"id":27102,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"credit-building","app_store_id":1617487581,"app":"atlas-rewards-credit-card-1617487581","from":null,"to":"active","reason":"The 'Builds Your Credit' section says it reports to all 3 major bureaus, with auto-pay and approval aimed at people without credit history.","job":"fill"},{"id":21297,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":1617487581,"app":"atlas-rewards-credit-card-1617487581","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"credit-building","list_name":"credit building","status":"active","review_status":"checked","position":9,"tier":"A","score":85.1,"components":{"rating":94.5,"votes":94.6,"rank":51.4,"recency":100},"ranks":[{"country":"us","rank":4}],"verdicts":[{"verdict":"keep","reason":"Atlas is a credit card designed for people with no credit history. It reports to all three bureaus and is marketed for building credit, much like Self and Kikoff.","verifier":"list check","decided_at":"2026-10-16T04:08:51.812Z","attempts":1,"current":true},{"verdict":"keep","reason":"The 'Builds Your Credit' section says it reports to all 3 major bureaus, with auto-pay and approval aimed at people without credit history.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]}]},"data_version":42468,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/atlas-rewards-credit-card-1617487581/"}}