Tomo Mastercard

A credit card that opens doors without barriers

—Source: Tomo Mastercard

Getting approved for your first credit card often feels like running into a wall. Most traditional issuers demand a solid history, ask for a security deposit, or add fees that don’t make sense when you’re just starting out. The Tomo Mastercard takes a different path. It was designed for people who want access to credit but don’t yet have a strong profile—removing the obstacles that usually block approval.

Tomo’s edge lies in how eligibility is assessed. Instead of pulling your credit score, the review looks at income and financial activity. This shift gives a real chance to students, newcomers to the U.S., or anyone rebuilding after setbacks. Add to that no annual fee, no deposit, and no credit check—while still reporting to all three major bureaus—and you get a card built to help you take concrete steps forward.

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Tomo Mastercard

Mastercard advantages with no annual fee Your credit journey starts here

Card built to help you

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Benefits of the Tomo Mastercard

No credit check

One of the toughest parts of applying for a card is knowing your history might hold you back. Tomo changes that picture. Instead of relying on a number, it evaluates your full financial situation. This opens the door for people without a score—or with limited history—to enter the system and start building credit responsibly.

No annual fee

Many starter cards include yearly charges that quickly eat into your budget. Tomo removes that cost. With no annual fee, your money stays with you, expanding your room to grow. It’s one less worry while you use the card as a financial springboard.

Reports to the three major bureaus

Payments only help if they’re recorded. Tomo ensures each on-time payment is reported to Experian, Equifax, and TransUnion. Over time, that consistent history strengthens your profile and helps lift your score. It’s a core element that makes the card appealing for long-term growth.

No security deposit

Most entry-level cards ask for an upfront sum—often a few hundred dollars—that ties up your cash. With Tomo, none of that is required. You open the account without setting aside a deposit, preserving liquidity while gaining access to credit.

High limits available

Beginner cards usually offer very modest limits, but Tomo raises the bar. Depending on your financial profile, you can qualify for a limit up to $10,000. Beyond expanding purchasing power, this helps keep utilization lower—a key factor in boosting your score.

1% unlimited cash back

Rewards shouldn’t be exclusive to premium cards. With Tomo, every purchase earns 1% cash back with no restrictions. The rate is simple and steady, applying to any spend. From groceries to online orders, you get a little back, making everyday purchases more rewarding.

Automatic weekly payments

Revolving debt is a common pitfall with credit cards, and Tomo builds in guardrails. Payments are scheduled weekly and run automatically, preventing balances from spiraling. This structure makes it easier to stay current and form healthy habits without the stress of month-to-month debt.

Global Mastercard acceptance

Because it runs on the Mastercard network, Tomo works almost everywhere. You can rely on it in the U.S. and abroad, from hotel bookings to restaurant tabs. That worldwide acceptance makes it a practical tool for daily use and travel alike.

—Source: Tomo Mastercard

Who can apply?

The Tomo Mastercard is available to those who meet the criteria below:

• Be at least 18 years old.
• Be a U.S. resident.
• Have a valid SSN (Social Security Number) or ITIN (Individual Taxpayer Identification Number).
• Have a checking account, since Tomo reviews income and cash flow in the process.
• No prior credit history is required to qualify.

How to apply

1. Go to the Tomo Credit website.
2. Complete the online application with your personal and financial details.
3. Connect your bank account for cash flow review.
4. Submit and wait for a quick decision.
5. Once approved, activate the card (digital or physical) and start using it.

Frequently asked questions

• Does Tomo check my credit score during review?
  No. Approval is based on your income and bank activity, not your credit history.
  
• How much cash back can I earn?
  You get 1% unlimited cash back on every purchase, with no categories or caps.
  
• Will Tomo help me build credit?
  Yes. Payments are reported to all three major bureaus, helping you establish or improve your score.
  
• Do I have to pay weekly?
  Yes, but it’s automatic. Weekly debits keep your balance low and help prevent debt.
  

The Tomo Mastercard is more than a card—it’s a pathway for those who need a fair start. By removing credit checks and deposits, it creates space for people often left out. With bureau reporting, cash back, higher limits, and global acceptance, it blends accessibility with practical advantages.

CARTÃO DE CRÉDITO

Tomo Mastercard

Mastercard advantages with no annual fee Your credit journey starts here

Card built to help you

APPLY NOW You will be redirected