The Tomo Credit Card presents a revolutionary approach to credit-building. For decades, traditional credit cards have depended on FICO scores and charged consumers unnecessary fees. Tomo breaks that model. It offers an unsecured credit line without requiring a credit history, and it charges no interest—ever.

This is not a prepaid card, nor is it a secured card. It’s a real credit card that helps users build a healthy credit profile by focusing on real financial behavior. With automatic weekly repayments and no penalty fees, Tomo creates an ecosystem of growth without burdening users with debt.

For immigrants, students, freelancers, or those repairing their financial lives, Tomo is a smart and accessible first step into responsible credit use.

Designed for Growth Without the Guesswork

1. No Credit Score Required

Tomo’s approval process uses bank account activity, not your credit score. This means anyone with a stable financial history—regardless of credit—has the chance to qualify.

2. Zero Interest Charges

There’s no interest to worry about with Tomo. The card uses a system of weekly repayments, automatically clearing balances so users don’t accumulate debt or pay extra.

3. No Fees—Truly

Tomo doesn’t charge annual fees, foreign transaction fees, or late payment fees. Users can enjoy credit access without constantly watching for hidden costs.

4. Weekly Auto Payments

Tomo promotes low utilization by paying off the balance each week. This supports your credit score and helps build positive habits.

5. Credit Reporting Across All Bureaus

All user activity is reported to Experian, Equifax, and TransUnion. That means every on-time payment directly contributes to building or improving your credit score.

6. No Deposit Required

Unlike secured cards, Tomo doesn’t require a deposit. This makes it more accessible and less financially restrictive, especially for those just starting out.

7. Encourages Responsible Spending

Because of the automatic weekly payments and lack of revolving debt, Tomo inherently teaches users how to spend within their means.

8. Inclusive and Accessible

The underwriting model makes Tomo a great option for international students, immigrants, or gig workers who may not qualify for traditional credit lines.

9. Fully Digital Experience

Tomo is mobile-first. From application to balance tracking, everything is managed through a simple and intuitive digital platform.

Qualification Requirements

• U.S. Residency: Applicants must be legal residents of the United States to apply and be eligible for approval.
• 18 Years or Older: Only individuals 18 or older can apply, as is standard with credit products.
• Linked Bank Account Required: Tomo’s financial evaluation depends on linked bank accounts, which must be verified through their secure platform during application.
• Proof of Identity: Users must submit a valid government-issued ID, such as a driver’s license or passport, for identity verification.
• Evidence of Financial Activity: Applicants should have some level of steady financial activity or a consistent bank balance to demonstrate basic eligibility.
• Internet Access and Device: Since the process is entirely digital, users need a mobile device or computer with internet access for account setup and ongoing management.

How to Apply

1. Access the Tomo Website: Go to the official Tomo Credit Card website and begin the application. The process is quick and digital.
2. Enter Your Personal Information: Provide basic identification details, including name, address, and Social Security number (or ITIN if applicable).
3. Link a Bank Account: Use the secure platform to connect at least one active checking account. This step replaces the traditional credit check.
4. Verify Your Identity: Upload a government-issued ID to complete the required identity verification.
5. Review and Submit: Once everything is submitted, Tomo will analyze the account data and provide an approval decision—usually within a short time.
6. Activate and Start Spending: Upon approval, users can activate their card digitally and begin using it for everyday purchases, with weekly payments kicking in automatically.

Frequently Asked Questions

Does Tomo require a credit check?
No. Tomo does not check your credit report or score when you apply. It relies on banking activity for approval.

Can I miss a payment?
Payments are automatic, so it’s rare to miss one. However, you’ll need to ensure there are funds available in your linked account.

Is Tomo a secured card?
No. Tomo is an unsecured credit card and does not require a deposit. It’s available based on financial health shown through linked accounts.

Who is the Tomo Card best for?
Tomo is ideal for individuals new to credit, such as students or immigrants, as well as those who want to rebuild without risking fees or debt.