Tomo is the first major credit card that doesn't require credit history. Pre-approval is a soft pull — it won't touch your score. Build credit while you spend.
Built for people the legacy banks won't approve.
No annual fee. No interest. No late fees. Tomo's payment model is auto-pay every 7 days.
Reports to all three bureaus on a 7-day auto-pay cycle. Most users see a score appear within 30–60 days.
Earn 1% on every purchase. No rotating categories, no caps.
Limits from $100 to $10,000. Adjust on demand based on income + spending.
Pre-approval check is a soft inquiry — your credit score isn't touched.
Pre-approval takes 5 minutes and won't impact your score.
Tomo Credit Card is issued by Community Federal Savings Bank, member FDIC. MidBank receives a referral fee. Approval, credit limits, and all card terms are determined by Tomo and the issuing bank.