Meet TomoIQ
Your AI money coach
TomoIQ grows your credit score and finds the cards you'll actually get approved for. It works for you — never a bank trying to sell you something.
Not a bank · Working for you · Cancel anytime
TomoIQ
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TomoIQ
Good news — I checked your approval odds on the cards you're eyeing.
Sapphire Rewards Card
Approval odds
Est. APR19.9%
Annual fee$0 intro
Which card should I apply for first?
TomoIQ
With your 742 score, lead with this no-fee travel card — strong odds and it won't hurt your utilization. Apply to just one to protect your score.
Show me matched cards →
Will applying hurt my score?
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What TomoIQ does
One coach for your whole credit life
Grows your credit score
Specific, prioritized moves to raise your score — utilization, payments, disputes — with the point impact spelled out.
Cards you'll actually get
Real approval odds before you apply — so a "yes" builds your credit instead of costing you points.
Private by design
Connect once, secured with bank-level encryption. Your data works for you and only you.
Grows your credit score
Specific, prioritized moves to raise your score — utilization, payments, disputes — with the point impact spelled out.
Cards you'll actually get
See real approval odds before you apply — so a "yes" builds your credit instead of costing you points.
Private by design
Connect once, secured with bank-level encryption. Your data works for you and only you.
Your credit, on autopilot
Build agents that handle the everyday, so you don't have to lift a finger.
Start your subscriptionCancel anytime · No card tricks
People trust it because it's on their side
“It told me exactly which card I'd get approved for. Applied once, approved — no wasted hard pull.”
“Finally, finance help with zero upsell — and my score is up 40 points since I started.”
“TomoIQ walked me from a 690 to 742 in four months — one clear step at a time.”
“It told me exactly which card I'd get approved for. Applied once, approved — no wasted hard pull.”
“Finally, finance help with zero upsell — and my score is up 40 points since I started.”