---
title: "Atlas - Rewards Credit Card — App Overview"
url: https://marlvel.ai/intel-report/finance/com-exto-arrow
category: Finance
developer: Exto Inc.
platforms: ios, android
rating: 4.7 (198.6K ratings)
pricing: free
report_level: overview
generated: 2026-04-16
last_verified: "2026-04-18T02:02:52.494Z"
---

<!-- SECTION: Key Insight -->
> **Key Insight:** Atlas functions as an accessible credit-building tool that automates repayment and reporting to help users establish credit history.

<!-- SECTION: Quick Facts -->
| Metric | Value |
|--------|-------|
| Category | Finance |
| Rating | 4.7 ★ (198.6K) |
| Pricing | free |
| Platforms | iOS, Android |
| Latest Version (iOS) | 5.4.3 |
| Latest Version (Android) | 5.4.2 |
| Developer | Exto Inc. |

<!-- SECTION: Summary -->
## What is Atlas - Rewards Credit Card?

Atlas is a credit-building rewards card designed to increase accessibility for users with limited credit history. The app integrates with over 10,000 banks to set safe spending limits and automates payments to help users improve their credit scores.

<!-- SECTION: Key Features -->
## Key Features

- **Credit Building**: Reports daily transactions to all three major credit bureaus to help users track and improve their credit scores.
- **Automated Payments**: Built-in auto-pay functionality ensures balances are settled automatically to prevent missed payments.
- **Smart Spending Limits**: Determines safe, personalized spending limits by connecting to the user's existing bank accounts.
- **Automatic Savings**: Provides up to 10% savings at over 50,000 retail locations, including major national brands.

<!-- SECTION: Target Audience -->
## Who is it for?

Individuals looking to build or improve their credit score through daily spending and automated financial management.

<!-- SECTION: Links -->
## Links

- [App Store](https://apps.apple.com/us/app/atlas-rewards-credit-card/id1617487581?uo=2)
- [Google Play](https://play.google.com/store/apps/details?id=com.exto.arrow&hl=en&gl=us)
- [Full Intelligence Report](https://marlvel.ai/intel-report/finance/com-exto-arrow)

---
*This is an overview report. Sentiment analysis, competitive landscape, and SWOT analysis are available in the [full intelligence report](https://marlvel.ai/intel-report/finance/com-exto-arrow).*
*Generated by [Marlvel.ai](https://marlvel.ai) — Independent app intelligence.*