Atlas Financial Holding is a California-based company founded in 2022 that provides a modern credit card solution. Their rewards credit card offers a 0% APR and has significantly higher approval rates compared to traditional credit cards. The card comes with safe spending limits that increase over time and can save users an average of $1 per year. Atlas Financial Holding does not require a credit history or income for approval, making it accessible to a wider range of individuals. The card is payroll-powered and offers features such as paying monthly wireless bills, auto rental coverage, extended warranty protection, and travel and emergency assistance. The application is available on both Android and iOS platforms. With Atlas, users can build credit, earn cash back at over 50,000 locations, and enjoy fraud protection.