Tomo Mastercard: Beyond the Credit Score

No fixed cost eating into your budget before the first purchase.

CARTÃO DE CRÉDITO

Tomo Mastercard

Advantages with no annual fee ideal for those taking their first steps in the market.

No security deposit

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If you’ve ever applied for a credit card and been rejected for having no history—or a short credit history—you know how discouraging that is. The Tomo Mastercard was created to turn that experience around. Instead of closing doors, it offers a real chance to build credit from scratch. There’s no credit check, no security deposit tying up your money, and no annual fee. Tomo was designed to be inclusive and accessible, whether you’re just starting your financial life or getting back on track after setbacks. More than just another card in your wallet, it’s a tool to move forward, build confidence, and start writing your financial story.

Advantages

• No credit check — ideal for those taking their first steps in the market.
• No annual fee — no fixed cost eating into your budget before the first purchase.
• Reports to the three major bureaus — every on-time payment works in your favor.
• No security deposit — unlike many starter cards, your money stays with you.
• Credit limit up to $10,000 — generous room to grow based on your financial profile.
• 1% unlimited cash back — every purchase earns, with no complicated categories.
• Automatic weekly payments — helps you stay on track and prevents debt from snowballing.
• Digital-first management — modern tools to handle everything with ease.
• Mastercard acceptance — global use in physical and online stores.
• Fast approval — apply online and get a quick response without long waiting times.

Disadvantages

• Weekly automatic debit may feel strict if you prefer monthly billing.
• Rewards rate is lower than top-tier rewards cards.
• Credit limit depends heavily on your linked bank account and income.
• No welcome bonus or rotating categories to boost earnings.
• Does not allow carrying a balance to the next month, which reduces flexibility for some.

Why consider the Tomo Mastercard?

The Tomo Mastercard stands out by focusing on where you’re headed, not just your past. While many banks put up barriers for those without a score—making it nearly impossible for newcomers, students, or anyone restarting in the U.S.—Tomo changes the game by using alternative data such as income and banking activity. This different approach opens doors that traditional institutions often keep closed. With limits that can reach up to $10,000, you’re not stuck with a basic card: you gain real capacity to build meaningful credit history. And because every on-time payment is reported to all three bureaus, each success adds points toward your future financial opportunities.

Another key point: Tomo builds in features that encourage good habits from day one. Weekly autopay may seem strict, but it helps prevent the cycle of debt that grows over time. Instead of digging a hole, you lay a solid foundation. Add to that 1% unlimited cash back, a practical digital experience, and the reliability of the Mastercard network, and you get a card that’s modern, accessible, and functional. If you’re looking for a starter card that values responsibility, removes common hurdles, and supports growth, the Tomo Mastercard deserves a place on your radar.

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