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Build your score and earn rewards without worrying about fees. Ever!

Tomo Credit Card – A new and improved approach to credit.


If you’re tired of the same ‘ol way most banks review your financial profile before offering you a card, the Tomo Credit Card is a light at the end of that tunnel. With no credit checks and plenty of benefits, this card can really help you achieve a better credit rating while providing rewards for all of your spending. Check our full review to learn more!


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Building a solid credit score requires the right tools and a company that is truly willing to help. See how the Tomo Card can be a powerful ally in that journey and check just a few of the many benefits it provides below.

No credit checks, no APR and no annual fee!
Reports all weekly payments to the three main credit bureaus.
You’ll earn rewards for spending on eligible partners.
You can get up to $10,000 in spending power!

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Tomo is a charge card aimed to help keep your credit utilization low with a weekly auto pay feature. TomoCredit does not perform any credit checks on new applications and reviews other financial information such as your bank account balance and income. For those reasons, you’ll need to link a checking, savings or business account to get the card.

Unlike most credit cards for people with low or no credit scores, you won’t have to pay any fees in order to have a Tomo Card. TomoCredit does not charge any interest, maintenance or annual fees.

During the first three months of card membership, TomoCredit deducts your weekly balance from your linked bank account. Then, the company reports those payments to the three main credit bureaus in the country (Equifax, Experian and TransUnion), which in turn will help you improve your current score.

No. TomoCredit does not perform any hard inquiries on their credit card applications. So even if your request is denied, you won’t have to worry about any damage to your current credit rating. As a matter of fact, you can apply even if you don’t have a credit score.

There is no predetermined spending credit with the Tomo Card. TomoCredit will decide on an initial spending limit between $100 and $10,000 based on a number of factors like your account balance, your income and your spending habits.

tomo credit card

How to get your Tomo Credit Card

See how the Tomo Card application process works and how the company evaluates your financial profile in order to approve your request.

If you’d like to learn about a different option before making your decision, we’ve brought a similar alternative.

Check the post below to learn the features and benefits of the Chime Credit Card and how you can apply for it.

Chime Credit Builder Visa credit card

Chime Credit Builder Visa Card application

Apply for your Chime Credit Builder Visa Credit Card with no credit checks and start building your credit.

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