The Tomo Credit Card Mastercard is designed to give you access to credit without the traditional hurdles. Whether you’re new to the U.S., a student, or someone rebuilding your financial profile, this card offers a modern approach that skips the credit check and avoids hidden fees. Backed by Mastercard and issued by Community Federal Savings Bank, the Tomo Card blends cutting-edge fintech with responsible credit-building tools—giving you a smarter way to grow your financial future.
With no annual fees, no security deposit, and no interest charges, the Tomo Mastercard is perfect for those who want to establish or improve credit while maintaining control over their spending. All this is supported by fast approval processes, an intuitive mobile app, and the flexibility of weekly payments that match your financial habits.
Cashback Rewards that Work for You
The Tomo Credit Card doesn’t just help you build credit—it also rewards you for your everyday spending. Cardholders can earn up to 1% cash back on eligible purchases, making it an excellent way to be rewarded for regular shopping.
You don’t need to opt into rotating categories or track bonus limits. Just use your Tomo Card and enjoy automatic cash back across all purchases. The cash back is automatically applied as a statement credit or used to offset your spending, making redemption simple and hassle-free. Plus, with no annual fee, every dollar of rewards you earn stays in your pocket.
Save Money with No Interest or Hidden Fees
One of the most attractive features of the Tomo Credit Card Mastercard is its $0 APR. That’s right—no interest charges on your purchases. Instead of revolving balances with growing interest, the Tomo Card encourages financial discipline through weekly auto-payments. These help you avoid debt while consistently building your credit history.
Additionally, the Tomo Card has no annual fee, no foreign transaction fee, and no security deposit requirement, making it a truly accessible card for a wide range of consumers. You’ll also avoid late payment fees because of the card’s auto-payment model, which reinforces timely payments and improves your credit score over time.
Smart Tools to Manage Your Money
Tomo empowers users with practical digital tools that support responsible financial habits. Through the Tomo mobile app and online dashboard, you can:
- Track your spending in real time
- Set savings goals and payment reminders
- Monitor your available credit
- View your payment history
- See your credit-building progress over time
You’ll also get free access to your VantageScore® credit score, which is updated regularly and helps you stay aware of your credit-building journey. These tools are especially valuable for first-time cardholders who want full control and visibility into their finances.
Technology That Simplifies Every Step
From application to account management, Tomo is built for digital-first consumers. You can:
- Apply entirely online without a hard credit inquiry
- Instantly connect your bank account to determine eligibility
- Use Apple Pay®, Google Pay™, and Samsung Pay™ for secure, contactless purchases
- Receive push notifications for spending activity and payments
- Lock and unlock your card through the app if it’s lost or stolen
The Tomo Card makes financial management seamless, secure, and mobile. Everything you need is at your fingertips—no phone calls or paperwork required.
Prioritize Security Without Compromise
The Tomo Credit Card includes robust security features that give you peace of mind. These include:
- Zero Liability Protection for unauthorized charges
- EMV chip-enabled transactions for enhanced security
- Real-time fraud monitoring and alerts
- The ability to lock your card instantly via the app
- Mastercard global services, including emergency card replacement and assistance while traveling
You’re protected wherever you go, and Tomo’s real-time monitoring ensures your account is safe from fraudulent activity.
Transparent Terms with No Surprises
The Tomo Mastercard is refreshingly transparent. Here’s a breakdown of key terms:
- Annual Fee: $0
- APR: 0% (no interest charges)
- Late Fees: $0
- Foreign Transaction Fees: $0
- Security Deposit: None required
- Credit Check: No hard inquiry
Tip: Since Tomo uses weekly auto-payments, be sure your connected bank account has sufficient funds to avoid delays.
Who Can Apply for the Tomo Credit Card?
You may qualify if you meet the following criteria:
- You are at least 18 years old
- You have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- You are a U.S. resident with a U.S.-based bank account
- You’re comfortable linking your account to verify financial activity
- You don’t have an existing Tomo account
Tomo is ideal for credit newcomers, international students, or anyone seeking a no-fee way to build credit.
How to Apply
- Visit the Tomo Credit Card website.
- Complete the short application—no hard credit check required.
- Link your bank account so Tomo can assess your financial activity.
- Receive your approval decision in as little as 5 minutes.
If approved, activate your digital card instantly, and your physical card will follow.
