Complimentary Mastercard benefits, including a $5 Lyft credit every month after taking 3 rides and a complimentary ShopRunner membership. ShopRunner currently offers members 2-day shipping and free return shipping at over 140 online stores ($79 Value).
No credit history required.
Build your credit score. Through consistent on-time payments, your credit score will grow. Tomo has set up a 7-day auto pay to maximize this cycle and increase the rate in which your credit score can improve.
Since the credit score doesn’t determine your credit limit, there’s a flexibility to update your credit limit in real time. Credit limits range from $100 - $30,000.
Your exact credit limit cannot be pre-determined. Tomo looks at your bank accounts and other factors to help determine your credit limit. In order to obtain the highest limit, the recommendation is that you connect all bank accounts or the account with the highest balance.
Your expenses are consolidated from the first to last day of each autopay period and payments will automatically be deducted from your bank account to cover the current balance.
Pros, Cons, & Details
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Worst company ever in history. They charged me $99 a month for a service for three months and never reported anything. When I found an email online to complain, they said they had no record of my account, even though I showed them all the screenshots from my account with my complete contact information. I was later told after a week that it takes 90 days to report. I attempted to cancel right away, and there was no way to cancel, especially with all of my information attached to this account. I sent an email and absolutely received no more responses from them.
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Product: TomoCredit Credit Cards
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3
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sniperswealth @sniperswealth
Did they ever resolve this issue?
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pete chuon @pchuon5252
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1 Star Rating
Beware of this credit card company. They do not protect their customers from scams or investigate any disputes. You will lose your money to unknown merchants.
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Product: TomoCredit Credit Cards
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3
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sniperswealth @sniperswealth
Did they ever resolve this issue?
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Elton Carmo @eltonbicalho
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1 Star Rating
They are scammers. Please, don't do business with them. I made the mistake of taking their credit card and subscribing to Tomo Bost. I have been trying to cancel their services for 6 months, and they are still charging me even after several requests to cancel.
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Product: TomoCredit Credit Cards
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3
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sniperswealth @sniperswealth
Did they ever resolve this issue?
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goldie701 @goldie701
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1 Star Rating
My card has been locked since I missed a payment. I paid it in full after I was told the card would be back to normal for usage once paid in full. That was a lie it's been paid since August which I paid a week later and it has been LOCKED ever since.They switch up too much!
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Product: TomoCredit Credit Cards
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1
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sniperswealth @sniperswealth
Did they ever resolve this issue in any type of way?
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worldofbsq @worldofbsq
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1 Star Rating
I bought one of their tradelines in November 2023, hoping that it would help my credit. They only reported one month of history in December. Then, there was no more activity. I paid for a 12-month tradeline! Today is March 16th, and my score was impacted because I was removed from the tradeline. Do not purchase.
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Product: TomoCredit Credit Cards
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2
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sniperswealth @sniperswealth
Did they ever resolve this issue in any type of way?
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Grace @cutlass_1989
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1 Star Rating
Verified Customer
Was supposed to help my credit, but they took it off my report after just a year. Positive accounts are supposed to remain for 10 years.
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Product: TomoCredit Credit Cards
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2
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sniperswealth @sniperswealth
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Ben C @bcerc3
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5 Star Rating
I found out about TomoCredit through a friend when I told him that I have been trying to build my credit. Tomo has helped me increase my credit and I only wish I found it sooner. Got my parents hooked on it as well.
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Product: TomoCredit Credit Cards
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2
Pauline King @51derfull
Could you provide an update? Are you still satisfied? Are you on the basic plan? How much and how fast did your credit score improve?
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info_2538747 @info_2538747
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1 Star Rating
This is a scam. No customer service or contact information. You can't remove cards once added, and they try to charge any amount on any card and won't cancel it. Report as fraud and change the card or lock it.
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Product: TomoCredit Credit Cards
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4
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sniperswealth @sniperswealth
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Timothy M @timothy mh_1
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1 Star Rating
Verified Customer
I don't understand how they can still have the standing to be able to put stuff on people's accounts when they do not answer the phone; you have to email them and they don't respond.
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Product: TomoCredit Credit Cards
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1
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ro go @Robgold
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1 Star Rating
This is the biggest scam. I started with them 10 months ago, and most months haven't even been reported. My score actually went down after they reported. I've been trying to cancel my account for 2 months now, and it's one hoop after another. Even after they say my account is canceled, they continue to try and charge my credit card. This is fraud.
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Product: TomoCredit Credit Cards
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2
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alexzandermcknight @alexzandermcknight
Did they give you funds though? As in is it just hard to deal with them or they actually don't give u money?
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sniperswealth @sniperswealth
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Review TomoCredit Credit Cards
TomoCredit Credit Card Q&A
Get answers to your questions about TomoCredit Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Yes, you can use the Tomo Credit Card anywhere that accepts cards on the Mastercard network. That means you can use the Tomo Credit Card at 10.7 million merchant locations in the U.S., as well as with millions more merchants across 210+ countries and territories worldwide.
The Tomo Credit Card has a $0 foreign transaction fee, which means you won't incur extra charges for international purchases. The card does come with an annual fee of $0, but it accepts applicants with limited credit, so it's a good option for people who who are looking to build or rebuild their credit history.
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