The Tomo Card offers a new and improved way of evaluating a new applicant’s request. Instead of using traditional banking methods, the company takes a different route.

There are no credit checks, and your approval will depend on other factors, such as financial stability and your bank account balance.

The company allows you to pre-qualify before submitting a formal application. Therefore, even if your request is denied, there’s no harm to your current score.

If you do manage to get the card, you’ll have access to a spending power that can go up to $10,000, plus the prestige of a Mastercard product. 

With the Tomo Card, you won’t have to worry about interests or fees because there aren’t any. Your balance is deducted weekly from your bank account during the first three months.

That said, there’s no possibility of ever carrying a balance. TomoCredit reports those weekly payments to credit bureaus, so you’ll build or repair your score in no time!

So if you want to apply for a Tomo Card, keep reading the content below, and we’ll show you how you can do so. 

You can apply for a Tomo Card online by visiting their website. On the home page, you’ll get all the information you need about the card.

So take a couple of minutes to read them and understand what you’re signing up for before requesting the card.

Once you’re ready, you can provide your email address and click on “apply now”. This is the first step, in which the company will email an invitation so you can submit a pre-qualification form. 

In the pre-qualification form, you’ll need to provide some basic information about yourself as well as your bank account balances.

TomoCredit will then review that data and inform you whether the card is available to you or not. 

Even if your application is denied by the company, rest assured that no negative impact will occur on your current credit score.

However, there is no option to re-apply once your application is denied.  

TomoCredit offers an easy and highly functional mobile app that you can use to manage your account.

However, all new Tomo Card applications are exclusive via their website. You can apply for a card by using the method described on the topic above. 

If you’d like to review other options before applying for a Tomo Card, we have an alternative for you.

Like Tomo, the Chime Credit Card does not charge any fees, and there’s no APR to worry about. It works like a prepaid card since your spending limit is the amount you have on your account.

However, there are a few key aspects that make the Chime Card stand out from the competition. If you want to learn what they are, check out the following link for our full Chime Card review!