Start with no credit.
Build amazing credit.

Get pre-approved today and start with up to 20% cashback. Act fast! Only

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spots remaining.

Your card is reserved! Check your email to start earning 20% cashback.

Featured in:

Credit limit

$100-$10,000

Cash back

1%-20%

Interest rate

(APR)

0%

Fees

None

Apply in Minutes

No credit score? Np.

Whether you have a credit score or not, anyone is eligible to apply. Get approved today and we’ll ship your card the same day!

Never miss a payment

Relax and watch your credit score grow.

Build credit the smart way. Tomo is the first card to offer specialized smart payments catered to credit building. Choose to pay off your card weekly, bi-weekly or monthly.

Earn Cashback

Rewards that will put a smile on your face.

Not only do you automatically earn 1% cash back by default, but have the ability to boost your cashback up to 20%. Yep, pretty amazing we know.

They suck

We don't believe in fees.

You work hard for your money and simply put, credit card fees suck. That’s why we got rid of them and don’t plan on having them, ever.

You can thank us later :)

A card finally done right.

Who?

Tomo is for anyone and everyone. Whether you’re looking for your first credit card or just adding to your arsenal, Tomo is the perfect card for you!

What?

Tomo is a credit card that doesn’t require you to have existing credit history. Start off on the right foot with building credit, or boost your existing score!

Why?

We built this card to build your credit. Between a great referral program, no fees, and no credit required, why not?

Have more questions?
Learn more about Tomo card

Build credit the smart way.

Reserve your card today and get up to 20% cash back!

Your card is reserved! Check your email to start earning 20% cashback.