Tomo Mastercard: A Smarter Way to Build Your Credit

The Tomo Card is packed with unique features designed to build credit safely while providing exceptional value.

Step into the future of credit with the Tomo Credit Card Mastercard, a revolutionary tool designed for those who believe they are more than just a credit score. This innovative charge card is built for a new generation, offering a pathway to a strong credit history without a traditional credit check. By analyzing your real-time financial health instead of your past, Tomo provides an incredible opportunity for students, recent graduates, and anyone new to the U.S. credit system to get started.

Credit Card

Tomo Mastercard

annual fee No annual fee

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Core Features and Benefits

No Credit Check Required: This is a game-changing feature. Tomo does not perform a hard credit inquiry, so your credit score is not impacted when you apply. Your eligibility is determined by your financial data, not a FICO® score.
Build Credit with All Three Bureaus: Your responsible financial habits get noticed. Tomo reports your on-time payments to Experian®, Equifax®, and TransUnion®, which is essential for building a robust credit profile.
No Security Deposit Needed: As an unsecured charge card, you can get approved without having to provide an upfront security deposit.
0% APR: Because Tomo is a charge card where you pay your balance in full each cycle, you will never have to worry about accumulating costly interest charges.
Automated Payments for Success: Tomo utilizes a frequent autopay schedule (often weekly) that helps you stay on track, guarantees on-time payments, and keeps your reported credit utilization low—two of the most important factors for a healthy credit score.
World Elite Mastercard® Benefits: Enjoy a premium suite of perks that are rare for a credit-builder card, including:
- Cellphone Protection: Get up to $1,000 in coverage for your phone against theft or damage when you pay your bill with the card.
- Lyft & DoorDash Credits: Receive monthly credits for Lyft rides and a complimentary DashPass membership from DoorDash.
- ShopRunner Membership: Get free 2-day shipping and free returns at dozens of top online retailers.
No Annual or Foreign Transaction Fees: Enjoy the card’s benefits without an annual fee and make purchases abroad without extra charges. (Note: A small monthly participation fee may apply).
Potential for a High Spending Limit: Based on your financial profile, you could be approved for a spending limit ranging from $100 up to $10,000.

Who Is the Ideal Candidate?

Tomo is designed to be inclusive and accessible. It’s a great fit for U.S. residents who:

Are at least 18 years old.
Have a U.S.-based bank account with a steady cash flow.
Have a valid government-issued ID and a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN).
Are students, recent graduates, or new immigrants with a limited or non-existent credit history.
Want to build credit without the risk of accumulating interest-bearing debt.

The Application Process

The application for the Tomo Card is modern, quick, and entirely online.

Visit the Tomo Website: Navigate to the official TomoCredit website to begin.
Provide Basic Information: Fill out the initial form with your personal details.
Securely Link Your Bank Account(s): This is the most crucial step. You will be prompted to link your primary bank account(s) using a secure service. Tomo analyzes your cash flow, account balances, and spending habits to determine your eligibility and spending limit.
Receive a Quick Decision: Tomo’s proprietary algorithm reviews your information and typically provides an approval decision within minutes.
Start Building Credit: Once approved, you can begin using your virtual card details immediately and start building your credit history.