01 · overview
Annual fee
$3,000
Per year
Sign up bonus
—
No current offer
Credits
$199
3 credits
Median FICO
—
Approved
Median income
—
Approved
Our take
At a $3,000 annual fee, the Atlas is an ultra-premium lifestyle card aimed at high spenders who will actually use the concierge, private-aviation rates, and curated dining and wellness perks. Earn rates are modest for the price (3x hotels, 2x dining, 1x everything else), so the math only works if the experiential benefits and member access matter more to you than raw points. For most travelers a card like the Amex Platinum at a fraction of the fee covers the practical perks.
Apply now
Apply now02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Hotels Hotels (also earns 3x on private charters and luxury car rentals — luxury rentals are merchant-gated, see Atlas terms) | 3x |
Dining | 2x |
Everything Else | 1x |
Statement credits
| Credit | Value |
|---|---|
Remedy Place Credit $250 credit toward first Remedy Place visit (saunas, cold plunges, NAD+ IV therapy); discounted or complimentary residency available | $250 |
One Medical Credit $199 statement credit when you join One Medical | $199 /yr |
Wander Credit $250 off Wander vacation home rentals | $250 |
| Total annual value | $199 |
04 · approval odds
Approval odds
We're still collecting data on this card. Submit a data point to help. Log in to submit →