Tomo Credit Card

Tomo Credit Card

Tomo Credit Card

Tomo Credit Card

Tomo Credit Card

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Card details

  • No credit history required. We conduct individualized assessments based on financial history and other sources and use our proprietary algorithm to determine your credit worthiness.

  • Through consistent on-time payments, your credit score will grow. Tomo has set up an "optional" 7 day pay to maximize this cycle and increase the rate in which your credit score can improve.

  • Since we do not rely on a credit score to determine your spending power, we have the flexibility to update your spending power in real time! Spending power ranges from $100 - $30,000 (subject to approval).

  • No APR.

  • No security deposit.

Rates, fees & offers

  • Annual fee

    $2.99 monthly participation fee

  • Rewards rate

    N/A

  • Bonus offer

    N/A

  • Intro APR

    N/A

  • Ongoing APR

    APR: None

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

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NerdWallet rating 
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Annual fee

$2.99 monthly participation fee

Annual fee

$0 intro annual fee for the first year, then $95.

Annual fee

$0

Regular APR

None

Regular APR

19.24%-29.99% Variable APR

Rates & Fees

Regular APR

19.99%-29.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

0% intro APR for 12 months on purchases and balance transfers

Intro APR

0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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