Tomo Card 4+

Build Amazing Credit

TomoCredit Inc

Designed for iPhone

    • 2.7 • 103 Ratings
    • Free

iPhone Screenshots


0% APR | $0 Fees | No Credit Checks

You work hard for your money and simply put, credit card fees suck- We got rid of them to offer you a clean and straightforward credit card.

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

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Tomo is a credit card that doesn’t require you to have an 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?

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

What’s New

Version 1.2.4

We're always making changes and improvements to TomoCredit.

This version includes:
Bug fixes and improvements

Ratings and Reviews

2.7 out of 5
103 Ratings

103 Ratings

lstchd5 ,

It’s not per say weekly!

So I made some purchases 3/3/22 & 3/4/22 thinking that it automatic payment will come out the next week since they state “weekly”. So I get a withdraw less than 7 days and I’m so confused as to why my money is being withdrawn in less than 7 days. I call support, which by the way was a nice guy that answered my call. He told me that Tomo automatic withdrawals are set to Sundays, so no matter what day you made a purchase money will be withdrawn that Sunday. I’m not the only customer that has asked this question due to them not properly stating how they collect money. It’s very misleading saying “weekly” when it’s actually not weekly whenever you make a purchase on any other day of the week besides Sunday. Tomo needs to really clarify what they mean by “weekly”.

Gusdotgus ,

Getting better. Keep it up guys!

A mastercard rewards credit card with no credit check and based on your income. You can request a limit increase after x amount of payments.

This is essentially a charge card, but it does build credit and reports as a credit card.

Reporting can take a while (months) but it is all backdated, so you will see a substantial increase in your credit score when it does hit. Mine increased about 35 points when it hit after 6 months of payments, which is not much given my score was already good to begin with.

Customer service is better than most credit apps since you can call get an english speaking, domestic person- which is highly important to me for the safety of my personal information. The young woman I spoke with answered all my questions and despite sounding very sleepy, she remained professional and courteous.

E-mail responses are not prompt but they do respond in a timely manner.

Right now requesting a credit limit increase and it does take a while (weeks) to process.

For those wondering, I have used this card to rent vehicles for holds, online shopping, and booking hotels and I have not been declined once or faced any issues.

This. Is. A. Credit. Card.

I have tried multiple apps and companies and even though Tomo has many bugs (website/app) the foundation is good and can only get better. Keep all services domestic and you will get market share. Grain is losing tremendous customer base because of this. Give Tomo a shot.

LisaK83 ,

Bad customer service, glitchy app.

My card was declined (for an online purchase so I didn’t have that embarrassment in store at least) but I had paid the card in full and the payment and available credit had cleared. I tried to use it a couple more times online, still declined. So I contact support and they tell me my card is frozen because my account is under review. But they won’t tell me why it’s under review or when my card will be unfrozen. I think it’s been about a week now.

The app itself is very glitchy too. If you make a payment and it says there was an error, just close out the app, wait a few minutes, and open it again. It will most likely show your payment went through. If you don’t close out the app and just try to make the payment again, then it will likely pull a double payment and they won’t refund your double payment - they’ll say it’ll just count as extra available credit. Never mind if that screws up your budget for what’s in your bank account.

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

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