iPhone Screenshots


The only credit card that does not require your credit score.

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!

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!

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

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.

0% APR. $0 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.

Using Tomo Card app, you can manage your card, view your transactions, payments, make payments, redeem points, and much more.

What’s New

Version 1.0.1

minor bug fixes.

Ratings and Reviews

3.1 out of 5
79 Ratings

79 Ratings

cntrlz ,


This is the app version of your dashboard from their actual site. The app itself works - it’s just meant as a convenience for mobile users who don’t want to bother logging in at their main site. The main site is more feature-rich (for now) but the app has everything you need, minus some settings (which you still need to go to the main site for).

You apply on their site and can use the app once you have an account.

The card product itself is solid. It’s essentially cash-flow underwriting, so if you have no credit or bad credit, but you have a decent income and money in the bank, this card is perfect for you. Has a little cash back in the form of statement credit as well to boot. It’s a great product to start building (or rebuilding) your credit.

No complaints.

Developer Response ,

Thank you for sharing your valuable insights and experience!

We are currently building our next feature-rich mobile version and will be rolling it out soon!

Ssky44 ,

Been very happy with it!

Have had the card for 3 months now and it’s been pretty great. Once you understand how the card works it makes a lot of sense and I love getting the 1% cash back.

I couldn’t get other Credit Cards because of my history, but since I have a good job now I was approved right away. I did have to wait a little while on their “Pre Approval” waitlist, but once I got my application I had my card in hand within a week!

Developer Response ,

Thank you for sharing your experience and feedback.

Kayaya ,

Beautiful, easy, and fun

Amazing credit card service- great interface and design, easy and fun to apply and I instantly received credit! So looking forward to building credit and receiving cash back!! I highly recommend Tomo. It’s a no stress process and you don’t have to wait!

App Privacy

The developer, TomoCredit Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Collected

The developer does not collect any data from this app.

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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