Tomo Credit Card Review [2024]: Is It Legit?

The Tomo Credit Card is a charge card that’s a good option if you want to build your credit score but don’t have any credit history. It doesn’t require a credit check for approval, has a $0 annual fee, and provides World Elite Mastercard benefits such as cell phone protection. But there are better credit card offers available if you want to earn rewards.

Check out our Tomo Credit Card review to dig into its card details and see whether this card makes sense for you.

Build Credit: No Credit Check Required

Tomo Credit Card

4.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Tomo Credit Card

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Current Offer

Build credit without a credit check or social security number

Annual Fee

$0

Benefits and Drawbacks

Benefits

• No credit check or credit history required
• $0 annual fee
• Build credit as payments are reported to all 3 credit bureaus
• Flexible credit limit up to $10,000

Drawbacks

• Balance must be paid in full each billing cycle
• Need to link a bank account to be pre-approved

Card Details

• Build credit without a credit check or social security number

Who should get the Tomo card?

The Tomo Credit Card is designed for credit building, so it makes sense for people who want to increase their credit score but can’t qualify for most credit products because they have no credit history or a bad credit score.

Tomo doesn’t require a credit check or a security deposit. It’s an unsecured credit card that uses linked bank account information and other factors to determine your creditworthiness. Your Tomo payment history is reported to all three major credit bureaus, including Experian, Equifax, and TransUnion.

Card basics

Tomo card benefits and perks

• No credit history required: The Tomo Credit Card doesn’t check your FICO credit score or credit history like most traditional credit card applications. Rather, Tomo uses alternative underwriting methods. This could include reviewing your account balance on a linked bank account such as a checking account or savings account.
• $0 annual fee: The Tomo card has a $0 annual fee.
• 0% APR: There’s 0% APR since you can’t carry a balance on the Tomo card.
• Up to $10,000 spending power: Receive between $100 to $10,000 in spending power upon approval. The amount of spending power you receive depends on your bank account information and other factors that Tomo reviews when you apply.
• Credit reporting: Your credit activity reports to Experian, Equifax, and TransUnion, which could help increase your credit score.
• Cell phone protection: Nearly all the additional benefits of the Tomo Credit Card are World Elite Mastercard benefits. This includes cell phone protection in the form of up to $1,000 for eligible stolen or damaged phones.
• Lyft benefits: Receive a $5 monthly Lyft credit for each month you take three Lyft rides.
• DoorDash benefits: Receive three free months of DashPass and $5 off your first DoorDash order each month.
• HelloFresh benefits: Receive discounts on your first five boxes plus free shipping.
• Fandango benefits: Receive a $5 reward for every $20 you spend on Fandango or Vudu.
• ShopRunner membership: Receive a complimentary ShopRunner membership that offers free two-day and return shipping at over 100 online stores.
• Global emergency services: Access emergency assistance for card-related needs (including lost or stolen cards) while traveling.
• World Elite concierge: Access a 24/7 concierge service that can help with a variety of services, including making dinner reservations, finding event tickets, or helping with travel plans.

Drawbacks to the Tomo card

• No sign-up bonus: The Tomo Credit Card doesn’t typically offer any sort of sign-up bonus to new cardholders.
• No earning potential: You don’t earn any rewards with the Tomo Credit Card. There are better alternatives if you want a credit card with a rewards rate that offers points, miles, or cash back on purchases. Check out our dedicated page to compare credit cards and find the best rewards card for you.
• Doesn’t work with all financial institutions: You have to link one or more bank accounts using a service such as Plaid for Tomo to determine your creditworthiness. This is in place of Tomo doing a credit check. Unfortunately, Tomo has had issues with certain financial institutions, including Capital One, Charles Schwab, and American Express.

Tomo FAQs

Other cards to consider

The Tomo Credit Card makes sense if you want to build credit, but have no credit history. But if you want to earn rewards or you don’t qualify for the Tomo Credit Card, consider other credit cards such as the OpenSky^® Secured Visa^® Credit Card and Petal^® 2 "Cash Back, No Fees" Visa^® Credit Card.¹

OpenSky^® Secured Visa^® Credit Card

The OpenSky Secured Visa is a secured credit card that requires a refundable security deposit and comes with a $35 annual fee. There’s no credit check required for approval, so it’s possible to be approved with a poor credit score or no credit history at all.

Having no credit check is similar to the Tomo Credit Card application process, but there’s no need to link a bank account to apply for the OpenSky Secured Visa. This eliminates the chance that you might not qualify if your financial institution has issues being linked.

Check out our OpenSky Secured Visa review for more details.

Petal^® 2 "Cash Back, No Fees" Visa^® Credit Card

The Petal 2 Visa Credit Card is an unsecured credit card with a $0 annual fee.¹ It might be harder to qualify for the Petal 2 compared to the Tomo Credit Card because the approval process requires a credit check. But you can typically qualify with at least a fair credit score.

If you qualify, you’ll be eligible to earn cash back on purchases, which the Tomo Credit Card doesn’t offer. The Petal 2 provides unlimited 1% cash back on eligible purchases; after 6 on-time payments, earn 1.25% cash back; after 12 on-time payments, earn 1.5% cash back.

Read our Petal Visa credit cards review to learn more about the Petal 2 Visa Credit Card.

Build Credit: No Credit Check Required

Tomo Credit Card

4.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Tomo Credit Card

4.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Why We Like It

Build credit without a credit check or social security number

See how these cards compare:

OpenSky® Secured Visa® Credit Card

• Credit limit defined by your refundable deposit
• Choose your limit between $200 and $3,000
• No credit check when applying

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

• Earn 1.5% unlimited cash back on all eligible purchases after 12 on-time payments
• 2% to 10% cash back on select merchants
• Great for those with little to no credit history
• No annual fee
• No foreign transaction fee