I have been an Atlas card member since May 2023. I have had a wonderful experience with them. I am enjoying the perks they offer with the Platinum membership, as well as the fact that I am seeing an increase in my credit score (50+ today). The reason why I have given it a 4 star review and not a five star is because I have been trying to get someone who can help me with the issue of linking my debit card to my Atlas account for instant transfer. They have a third party company Astras Financial Services that has the ability to connect it or provide services that would otherwise be available to help you get the problem resolved. That is not the case with this company that I have been trying to communicate with for over a year now. I have contacted Atlas a dozen time to see if they would be willing to give me a resolution regarding my debit card not linking but that wasn’t the case at all so I will update this review as soon as I get a human response back from them.