Tomo Credit Card Review 2022: No Credit Check–What You Should Know

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Quick Take: The Tomo credit card is one of the few credit cards that do not require a credit check. You can get a card with no or limited credit history. On top of that, there is no annual fee, and the card is registered on the Mastercard network, giving you additional perks. While the approval process for Tomo credit cards can take some time, applicants are carefully considered, giving everyone an opportunity to own the card.
  • Ease of Use
  • Cash Back
  • Fees
  • Ease of Approval
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  • No APR charges
  • No annual fee
  • No credit check


  • It does not have impressive benefits or rewards.
  • Preapproval is required before a card application.

Overview of Tomo Credit Card

Tomo credit card stands out as an attractive option since it does not require a credit check and has several features, such as no annual fees and high credit limits.

Ease of Use

Tomo card is easy to use since it works much like most other credit cards of its sort. Even though it does not require a credit check, the Tomo card gives a generous credit limit.

Depending on your circumstances and financial standing, you may get a credit limit of up to $10,000.


Tomo cardholders also earn 1% cash back on purchases. Although it has a lower rate than most other credit cards, it’s quite competitive among cards that do not require a credit check.


Tomo’s credit card does not have an annual fee. Cardholders are not charged interest either, with a 0% APR.

Instead, the company makes money through interchange fees that are surcharges on the merchant when cardholders use their cards for purchases.

Unlike traditional credit cards, Tomo does not let you carry a balance from one month to the next. The cardholders have to agree to an automatic payment schedule, and your bill is automatically deducted from the account to cover the week’s balance.

With frequent payments, your credit utilization remains low. As a result, it improves your credit score and establishes good credit. Moreover, Tomo reports all payments to three major credit bureaus.

After a few months of using the card, you can shift to a monthly payment schedule.

Ease of Approval

As compared to conventional credit cards, it is easier to get approved for the Tomo credit card. However, the process is slightly lengthier as there are additional requirements you need to fulfill.

Before you apply for the card, there is a preapproval process. You initially have to submit your bank account balance, income and age on the company’s website.

Preapproval means that Tomo gives you a soft “yes” after checking the information you have provided. After preapproval, the company moves you to the next step. You will get an email invitation from the company to apply for the card officially.

After that, you submit the application and Tomo reviews it. Finally, they will reject or approve it depending on the other data points you have provided in the application form.

Good To Know

With the Tomo credit card, you can also refer a friend. If they are approved for the card, you get an extra 1% cashback reward for three months. As you continue referring others, you can earn up to 20% cash back — and there’s no limit to the amount of referrals you can bring over.

Application Process

Although Tomo does not conduct a hard pull on your credit history, the company does require a linked bank account. Tomo uses different data points to decide if you are eligible for the card.

Some commonly used data points are email addresses and phone numbers. The company also checks the balance in your linked bank account to determine how you manage your money.

You have to use Plaid to link one bank account, whether savings or checking. You can also link an investment account to give Tomo the information they need to check your income’s stability.

Other Benefits

Since Tomo credit card is a Mastercard, it has additional benefits:

  • Mastercard Global Service: With Mastercard, you get emergency assistance in whichever language you speak. Also, you can instantly report a stolen card.
  • Zero Liability Protection: If someone makes purchases on your card in case of theft or misplacement, you are not liable for these purchases.
  • ID Theft Protection: You can register your Tomo card number to receive alerts if there is suspicious activity on your account.

How Does Tomo Credit Card Compare to Competition?

The Tomo card is comparable to the OpenSky SecuredVisa credit card, which does not require a credit pull. You can even get approved for the card without a credit score.

However, it has an annual fee of $35. If you are not willing to pay that, the Tomo credit card will be a better option for you.

How To Apply

To apply for a Tomo card, you have to get preapproved first. Enter your information on Tomo’s website.

Once you are preapproved, Tomo will send an application invite through email. After that, you have to provide details for the application process.

Who Is It Best For?

The Tomo credit card is suitable for people who do not have a credit history or have a limited credit history. Moreover, if you do not want to pay an annual fee or interest rate, Tomo is a good option for you.

Tomo is also ideal for people who want to improve their credit score through automated payment options and instant credit bureau reporting. The card gives you complete control over your finances.

If you do not have a social security number, you can still apply and qualify for the credit card. This makes the card suitable for non-U.S. citizens.

Final Take

If you have a steady income and do not mind paying your bill at the end of the week to improve your credit score, the Tomo credit card is an ideal choice for you.

Editorial Note: This content is not provided by Tomo. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Tomo.

Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.

About the Author

Scott Jeffries is a seasoned technology professional based in Florida. He writes on the topics of business, technology, digital marketing and personal finance. After earning his bachelor’s in Management Information Systems with a minor in Business, Scott spent 15 years working in technology. He's helped startups to Fortune 100 companies bring software products to life. When he's not writing or building software, Scott can be found reading or spending time outside with his kids.

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