Log In
Image for TomoCredit
Apply Now


Mobile friendly

Trustpilot Rating

Reviews 21





Entity type

Card Issuers

Client type




United States of America



Employee Count


Apply Now


Card ProgramsCard providersCash withdrawalCredit cardsLoansP2PWalletsWire Transfer Acceptance

Total Score

Pricing of the services


Social media presence


Popularity of the service


Onboarding difficulty


Support quality


About TomoCredit

TomoCredit is a fintech startup based in San Francisco. TomoCredit offers the smartest consumer credit card which does not require a credit score for approval. Tomo created a solution to tackle the flaws of the everyday credit card. Whether it be the 2 for 2 program, no credit history required, or no fees, the Tomo card is for anyone looking to take advantage of its amazing perks. TomoCredit is built by young immigrant founders who felt the pain of getting a credit card as a foreign national.


Setup Fee


Monthly Maintenance Fee


  • USD

    (United States dollar)

Additional Requirements

  • o apply for Tomo all you need is a valid SSN or ITIN and a government issued ID.

Trustpilot reviews


May 20, 2022

Absolutely ridiculous company

Absolutely ridiculous company. Apparently I was denied because of a chapter 13 bankruptcy (which means I paid EVERYONE back) that was discharged 9 years ago.


May 6, 2022

Incompetent 'support'

They don't tell you ahead that you need 1k in your bank. Then they disqualified me after I met those requirements. They are still refusing to give an explanation as to why. Their support is copy pasted and useless. They wasted my time.


Apr 27, 2022

Had it for a few months and out of…

Had it for a few months and out of nowhere they put my account under review and a few days later got an email saying they closed my account. They didn’t even report to credit bureaus.


Apr 18, 2022

Denied with plenty of money

Denied - I’ve got over $6000 in the account I linked and they said that my expenses were greater than my income (not true) so their algorithm is shi*t. AVOID


Mar 29, 2022

Sub zero rating

Sub zero rating. The card sucks. It says I have available credit but everytime I try to use it it gets declined. I have a zero balance owed. I wouldn't recommend this card to my worst enemy. I am cutting up this waste of plastic.


Feb 21, 2022

My credit card was just canceled for no…

My credit card was just canceled for no apparent reason. I mean I didn’t use it. I had it as a back up line of credit but today I said let me use it to buys a soda and some chips and it declined so I called cs and account was closed with unexplained reason. Terrible communication.


Feb 19, 2022

The same thing happened to me

The same thing happened to me, although I have a poor credit due to credit disputes, I have a steady income, and been building my credit slowly. It is very suspicious that I needed to link my banking information and yet ending up getting declined for reasons that are inconsistent of the facts and what they are promising on their company profile. This is all a waste of time and a complete BS. I think this is just a scam to get all your personal and financial information. Don't make the same mistake and change your bank passwords immediately. Beware of this scam TomoCredit!

Finscanner is an independent digital platform aiming to provide up-to-date access to worldwide financial services to improve customer experience and boost transactions.

On this page, you can see a detailed review of TomoCredit Cards with reviews from real users and our experts. TomoCredit provides the following services: Card Programs, Card providers, Cash withdrawal, Credit cards, Loans, P2P, Wallets, Wire Transfer Acceptance.

At the moment, TomoCredit rating on Finscanner is 3.8 and on Trustpilot is 1.7.