Credit Cards

Tomo Credit Card review

Learn more about the Tomo Credit Card and find out if it's the best way for you to build credit. Read our review and see how it compares to other credit cards.


by Aline Barbosa

Published on 09/19/2022

Tomo Credit Card: No fees, no interests!

tomo credit card
Tomo will revolutionize the way you think about credit cards. Source: The Post New.

If you’re currently looking for a new credit card but have a damaged credit score, this Tomo credit card review will help you find one.

When you have a low or damaged credit score, one way to improve it is to get a credit card.

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.

However, many companies and banks will either offer a secured option or charge you an infinite amount of high fees for an unsecured alternative. The Tomo Credit Card is here to change that.

For starters, you can get the card even if you have no credit score at all. Unlike most issuers, Tomo evaluates more than your current rating before offering its product.

With a steady income and other determining factors, you can even get a credit limit of up to $10,000 and the purchasing power of a Mastercard card. 

  • Credit Score: The Tomo card might be available to you even if you don’t have a credit score.
  • APR: This card charges no APR! Read our review to learn why.
  • Annual Fee: The card doesn’t charge any type of fee.
  • Fees: None.
  • Welcome bonus: It currently doesn’t have any.
  • Rewards: You’ll get plenty of rewards from partnered companies like Doordash, HelloFresh, ShopRunner, Fandango, and Lyft. Plus, cell phone protection up to $1,000 and Zero Liability from Mastercard.

What’s even better, the Tomo Credit Card will help you build or repair your score much faster with their 7-day auto payment schedules.

Since the company reports all of these payments to the main credit bureaus in the country, you’ll achieve a better rating in just a few months. 

Are you interested in learning more about the Tomo Credit Card? Then keep reading our full, comprehensive review.

You’ll see why this is one of the best cards in the market to help you build a healthy and solid financial future.     

Tomo Credit Card: how does it work?

Issued by TomoCredit, the idea behind the card is to take a different approach to credit.

That said, instead of pulling a hard inquiry on your score and offering you a card solely based on that number, the company reviews things differently.

Tomo reviews your bank account balance, your income, and your spending habits – among other factors – to determine whether or not the card is available to you.

There are no credit checks, so their evaluation won’t harm your current score, even if your application is denied.

Since you have to link your bank account, Tomo will charge your balance on a weekly basis during the first three months. That will keep your credit utilization low and help you build or rebuild your score.

And because you can’t carry a balance, there’s no APR to worry about – nor monthly or annual fees, for that matter. 

But that’s really not all. Unlike most cards for people with bad scores, the Tomo Credit Card offers some interesting rewards for its cardholders.

You can get discounts at partnered merchants like Doordash and Fandango. Plus, cellphone protection and Mastercard benefits.

Significant benefits and disadvantages you may find

happy man using credit card
Tomo credit card is your chance to rebuild your credit easily. Source: Freepik.

While the Tomo Credit Card does offer a significant amount of benefits, there are a couple of drawbacks you should know before applying. Weigh the pros and cons depicted below to see if it’s worth signing up for the card. 



  • You can pre-qualify for the Tomo Card even with a nonexistent score;
  • Tomo charges no fees whatsoever;
  • You’ll get rewards for making purchases on your Tomo Card;
  • The company doesn’t perform credit checks, so applying won’t affect your score;
  • You can get a credit limit up to $10,000;
  • Tomo reports all payments to the three main bureaus in the country. 


  • You need to link checking, saving, or business bank account;
  • During the first three months, all balance payments are on a weekly basis;
  • As a result, you can’t carry a balance even if you have to.

Is a good credit score required for applicants?

Not at all. TomoCredit doesn’t even perform a credit check when reviewing your profile.

The company evaluates different data points to determine whether or not their card is available to you.

Information such as your bank account balance, income, and spending habits is what they’ll take into consideration. 

Learn how to apply and get a Tomo Credit Card

If reading this Tomo Credit Card review got you interested in applying for the card, we’ve got you covered.

Follow the link below to learn how the application process works and how you can easily request your Tomo Card online.

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.

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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