Atlas
Earn up to 1.5% cashback at Atlas.
Pay with a virtual card and earn cashback.
Featured offer terms
Get 1.5% cashback on your purchases at Atlas.
Offer valid while supplies last.
Offers are subject to change - check here before purchasing.
Build credit with no prior history using the Atlas Mastercard and earn rewards on everyday purchases.
Atlas: Smart Credit Building with Everyday Rewards
Atlas offers a modern credit solution designed for those looking to build or improve their credit score—even with no credit history. With the Atlas Mastercard, users can enjoy the benefits of a credit card without the complexities of traditional banking.
Atlas features 0% APR, no credit check to apply, and automatic reporting to all three major credit bureaus, making it easy to establish or strengthen your credit profile. Members also earn up to 10% cash back at thousands of popular stores, restaurants, and service providers nationwide.
Whether you're new to credit or simply want a smarter way to earn rewards and manage your finances, Atlas provides a transparent and accessible experience. Get started with a simple sign-up process, no hard credit pull, and flexible membership options.
What is a Fluz virtual card?
A Fluz virtual card is a digital-only payment card that comes with its own card number, expiration date, CVV, and billing address.
How does cashback work for my Fluz virtual cards?
You earn up to 1.5% cashback on Fluz Virtual Card purchases (sometimes more based on the merchant's offer) with no fees, credit checks, or minimum spend required.
What do I need to do before creating my first virtual card?
Verify your Fluz account by completing identity verification (KYC) and link a bank account to fund purchases.
Where can I use my Fluz Virtual Card, and how do I pay?
Anywhere Mastercard/Visa is accepted, including online and in-store via Apple Pay or Google Pay. If asked, Fluz virtual cards use the same PIN as your Fluz account.
How is my card funded, what are the limits, and when am I charged?
You can fund purchases with your Fluz balance or a linked bank account. You can set a card limit when generating a card, but you're only charged for the amount you actually spend.
Is the Fluz virtual card secure?
Yes. Your card details are protected with Face ID, PIN, or 2FA, and you can lock, unlock, or freeze cards anytime, with additional security controls and real-time alerts.