Tomo Credit Card Mastercard Review

Embark on a journey to financial empowerment with the Tomo Credit Card Mastercard—a revolutionary option whether you're new to credit or rebuilding your financial history.

With this card, you can begin building a positive credit profile and enjoy the global acceptance and convenience of a Mastercard for purchases, travel, and online transactions. As you demonstrate responsible use, you may qualify for credit limit increases, providing increased financial flexibility over time.

Stay in control with the intuitive Tomo Credit Card mobile app, offering easy management of your account, including statements, transactions, and account details. Plus, benefit from Mastercard’s advanced security features, ensuring peace of mind with fraud protection and zero liability for unauthorized transactions.

Tomo Credit Card Benefits

Tomo Credit Card—a game-changer in the world of credit cards designed to empower users with a range of exceptional benefits:

• Build Credit Powerfully: The Tomo Credit Card is your partner in building or rebuilding credit. By making timely payments and using credit responsibly, you can steadily boost your credit score.
• Interest-Free Advantage: Say goodbye to APR charges. The Tomo Credit Card promotes responsible financial behavior by encouraging full payment each cycle, helping you cultivate healthier money habits.
• Empowering Credit Limits: Enjoy a substantial credit limit of up to $30,000, giving you the purchasing power you need for everyday expenses and larger purchases alike.
• Global Security and Convenience: Access Mastercard Global Services for emergency assistance anywhere in the world. Whether it’s card replacement or cash advances, rest assured your financial security is prioritized.
• Protect Your Essentials: Pay your cellphone bill with the Tomo Credit Card and receive valuable protection against damage or theft of your device, ensuring your essential communication stays uninterrupted.
• Flexible Financial Growth: With responsible use, you may qualify for credit limit increases over time, providing greater flexibility to manage your finances effectively.
• Seamless Account Management: Stay in control with the Tomo Credit Card mobile app, offering effortless access to statements, transactions, and account details wherever you are.
• Ride with Savings: Enjoy $5 in Lyft credit for every three rides each month. Whether you’re commuting, running errands, or exploring new places, save on rides and build rewards effortlessly.
• Delicious Savings: Benefit from a complimentary three-month DashPass membership from DoorDash with the Tomo Credit Card. Enjoy waived delivery fees and reduced service charges on qualifying orders from your favorite restaurants, making dining in or out more affordable and convenient.
• No Credit Check: Unlike traditional cards, Tomo revolutionizes the application process by eliminating the need for a credit check. This innovative feature opens doors for individuals with limited credit history or previous financial setbacks, offering them a clear path to accessing credit without traditional barriers.
• World Elite Concierge Mastercard Program: The World Elite Concierge program offers a suite of personalized benefits to elevate your lifestyle. With a dedicated team available 24/7, you can enjoy seamless access to reservations at top dining establishments, exclusive event tickets, and carefully planned travel itineraries. What sets this program apart is its commitment to understanding and exceeding your individual needs, ensuring every interaction is tailored with finesse. Experience luxury and convenience, transforming everyday moments into extraordinary memories through exceptional personalized service.

Who can apply?

To qualify for the Tomo Credit Card, applicants are required to:

1. Link their banking and financial accounts during the application process.
2. This innovative approach enables Tomo to assess applicants based on their banking behavior and financial patterns.
3. Applicants are evaluated beyond traditional credit scores, making it possible for recent graduates, non-U.S. citizens, and others with limited credit history to be eligible.
4. Linking accounts demonstrates financial responsibility and provides Tomo with valuable insights to make informed credit decisions.

How to apply?

Applying for a Tomo Credit Card is easier than you think:

1. Go to the Tomo Credit Card website
2. Click on Apply Now
3. Read Terms and Conditions
4. Fill your personal and financial details
5. Submit your application

Frequently Asked Questions About the Tomo Credit Card

What is the annual fee?

You can choose between 3 plans: Basic ($14.99 per month— or $8.33 per month on a 1-year plan), Premium ($69.99 per month— or $33.33 per month on a 1-year plan) or VIP ($129.99 per month— or $83.33 per month on a 1-year plan).

Are there foreign transaction fees?

No, there are no foreign transaction fees associated with this card.

Can I carry a balance on this card?

No, the balance must be paid in full each billing cycle; carrying a balance is not allowed.

Is this card reported to credit bureaus?

Yes, it reports to all three major credit bureaus.