Welcome to a credit experience that reflects who you are now, not just your past. The Tomo Mastercard reimagines access to credit by looking at your present financial behavior instead of pulling your credit score. Whether you’re a student, newcomer, or simply new to the U.S. financial system, Tomo offers a clear, fair, and rewarding way to establish your credit profile—no deposit or credit history required.
Top Features and Benefits
No Hard Credit Pull
Your FICO® score doesn’t factor into approval. Tomo skips traditional credit checks, relying instead on a review of your active bank accounts to determine eligibility.
Reports to All Major Bureaus
Tomo sends your payment activity to Experian, Equifax, and TransUnion, giving you full visibility and maximum impact with your on-time payments.
Zero Deposit Needed
This is an unsecured charge card, meaning you can qualify without locking up your cash. Great for anyone who doesn’t want to tie up funds in a secured account.
Interest-Free Usage
There’s no APR, ever. Because you pay off your balance on a frequent schedule (typically weekly), there’s no revolving debt and no interest charges.
Built-In Autopay to Keep You on Track
Scheduled automatic payments mean you never miss a due date. This setup promotes healthy credit habits and keeps your utilization low.
Premium Mastercard Perks
Tomo includes World Elite Mastercard benefits, such as:
- Cellphone Insurance: Up to $1,000 in coverage when your phone bill is paid with the card
- Lyft and DoorDash Rewards: Monthly ride credits and complimentary DashPass membership
- ShopRunner: Free two-day shipping and returns at dozens of online retailers
No Annual Fee or Foreign Transaction Fees
There’s no yearly cost to use the card, and international purchases come with zero foreign fees. (Note: a small monthly program fee of $2.99 may apply.)
🔹 Higher Spending Limits Possible
Depending on your financial situation, Tomo may approve you for a spending limit of up to $10,000, with minimums starting around $100.
Is Tomo Right for You?
This card is tailored for people without traditional credit backgrounds—but with responsible financial habits. It’s especially helpful if you:
- Are at least 18 years old
- Have a U.S.-based bank account and steady cash flow
- Possess an SSN or ITIN and a valid government-issued ID
- Are new to credit, like students, recent grads, or immigrants
- Prefer to build credit without risk of interest or debt
How to Get Started
Step 1 – Go to the Tomo Website
Begin your application at the official TomoCredit website.
Step 2 – Enter Personal Info
Fill out a short form with your name, ID details, and basic contact info.
Step 3 – Connect Your Bank Account
Tomo uses a secure third-party service to access your banking data. This step lets them review your income, cash flow, and account health to determine approval and spending limit.
Step 4 – Fast Decision
Tomo’s system usually provides a near-instant response. If approved, you can start using your digital card right away.Step 5 – Start Building Credit
Your first on-time payments will start creating your credit history from scratch—with no risk of interest and no need for a deposit.
