Tomo Credit Card Review: No Interest Charges or Credit Check?
Tomo isn't available on Finder right now.
- Fee
- $0 per month
- Minimum deposit to open
- $0
Our verdict
Plain and simple, we don't recommend the Tomo card.
TomoCredit claims that the Tomo card is a charge card with no credit check, no APR and no security deposit. You don’t have to be a US citizen or resident to sign up. It uses alternative information, such as your bank account history, to see if you’re eligible. Tomo also claims that using the card could build credit history, and requires your balance to be paid in full every seven days. There’s also an optional seven-day automatic payment feature to keep the balance in check. But after digging a little deeper, we found some red flags on review platforms and a pattern of complaints.
Best for: No one, stay away from this one.
Pros
-
No APR, credit check or deposit
Cons
-
Not reporting to major bureaus
-
Fake reviews on Trustpilot
-
F rating with the BBB
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No phone support
Editor’s note
Nearly all of the press around the Tomo card is controversial. And while they say that any press is good press, I would argue that expression doesn’t apply here.
TomoCredit claims to report payments to the three major credit bureaus: Experian, TransUnion and Equifax. However, in 2024 Forbes reported that, “The three major credit bureaus have all ended their data partnerships with TomoCredit, refusing to include credit lines reported.” The credit bureaus themselves also stated that Tomo had various issues with furnishing credit data, and were found to be unreliable in their reporting practices.
Forbes further updated the story, and stated that Tomo still has not resumed credit reporting, as of February 2026. And while the Tomo card’s advertising is all about building a better credit history, the company is careful in answering questions about how the card “can” improve credit history.
For example, on Tomo’s FAQ page, there is this section:
“How does Tomo help build my credit score?
Tomo’s smart payments help you make payments on time, every time. Keep your balances low (and your credit utilization healthy!) with weekly autopay. Sustained on-time payments and low credit utilization build your credit score over time.”
Notice how Tomo answered the question, but never directly addresses its reporting practices or even states that they report payments to the credit bureaus. What Tomo states there is true, though: sustained, on-time payments and low credit utilization can improve your credit score, but it doesn’t say anything about how the Tomo card can do that for you.
Bottom line: Consider other options
I don’t recommend the Tomo card. I’m doing my due diligence as a writer to break down how this product is supposed to work, and gave Tomo a fair shot in writing this review, but just a few hours of research shows this product is sketchy and its credit reporting practices aren’t what they seem.
Compare legitimate credit building services, and learn other ways you can build a better credit history on your own by knowing how credit scores and reports work.
How the Tomo Credit Card (claims) to work
The Tomo card is a charge card with no credit score requirements, hard credit check or interest charges .
Sound too good to be true? Well, that’s because it is.
Like a regular credit card, you charge the Tomo card and then you owe the balance. Unlike regular credit cards, though, your Tomo card balance must be paid off every seven days through your linked bank account. In a nutshell, there are no interest charges because the card requires you to pay your balance every week.
In terms of spending power (credit limit), Tomo currently states that it doesn’t have a predetermined range. Your credit limit is based on your bank account balances and history. When we originally looked at this card, though, Tomo used to say spending power could have ranged between $300 and $30,000, based on your eligibility.
How to get the Tomo card
To apply for the Tomo card, you need a valid SSN or ITIN, and a government-issued ID. There is no credit check. Tomo also looks at your bank account history and balances to determine eligibility.
If approved, Tomo will send you the card within seven to 10 business days. You then link your bank account to the Tomo account and can use the card wherever Mastercard is accepted.
What we like about the Tomo card
Nothing. Moving on.
What could be better
We already covered how Tomo isn’t actually furnishing data, according to multiple sources including Forbes, so let’s talk about other red flags.
Was going to have a fee and now it doesn’t?
The Tomo card was waitlisted for a while, and was going to have a monthly fee. It was going to charge $2.99 per month, then others said around $5 per month, and we saw other reports of an annual fee.
According to the card’s current T&Cs, Tomo states it does not charge an annual fee, late fees or foreign transaction fees for the card itself.
Bad customer reviews and ratings
| BBB accredited | No |
|---|---|
| BBB rating | F |
| BBB customer reviews | 2.29 out of 5 stars, based on 288 customer reviews |
| Customer reviews verified as of | 23 April 2026 |
Like most online banking options and fintechs, Tomo lacks multiple avenues for customer support. Tomo doesn’t have a customer phone line, which can make resolving issues tricky or a pain to get ahold of someone for an urgent issue.
Tomo has an F rating with the Better Business Bureau (BBB), which is the worst rating possible due to its large volume of complaints.
The BBB noted that Tomocredit was flagged in 2020 for hundreds of complaints about difficulties reaching customer support to resolve issues. This tracks, as Tomo doesn’t have a customer phone line and this issue is easily the most-mentioned downside among reviews. Tomo responded and said it upgraded its system to handle a higher volume and is working to add more communication methods.
However, since that alert in 2020, it doesn’t seem things have improved. There are still hundreds of recent complaints about issues contacting support and how customers have to email Tomo repeatedly in attempts to cancel their subscription. Others also stated that Tomo incorrectly reported their payments and credit utilization to credit bureaus, and some said Tomo took withdrawals from their bank accounts when no balance was due.
On Trustpilot, things get even more complicated. Trustpilot has removed a star rating for Tomo, due to a large volume of fake reviews. In place of the star rating, Trustpilot has, “This company’s rating is unavailable due to a breach of our guidelines.” We’re not saying Tomo was planting reviews, but Trustpilot thinks that’s the case.
Not suited for emergency situations
You can’t use the Tomo credit card at ATMs. Most credit cards let you pull cash out of an ATM, known as a credit card cash advance. Often, you’re charged a higher APR on credit card cash advances, but it can be a convenient option for emergencies that require cash.
Since Tomo doesn’t allow you to carry a balance month to month, this means you can’t make a large purchase you can’t afford. The Tomo card freezes until you repay your balance. There aren’t any interest charges or late fees, but you won’t be able to use it until you’ve paid the card off.
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What is the Finder Score?
The Finder Score crunches over 30 credit-building cards and products from dozens of financial institutions and fintech companies. It takes into account the product's monthly fees, reporting practices, eligibility requirements, rewards programs, APR and features — this gives you a simple score out of 10. To provide a Score, Finder’s banking experts only consider credit-building cards that report to the major credit bureaus as “credit-building cards.” If a card that claims it can build credit does not have any reporting practices, it is not considered a credit-building card and isn’t scored.
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Your reviews
Bethany Finder
Banking editor
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