MastercardTomo Credit Card
A no-credit-check card whose one job, credit bureau reporting, stopped working.
Welcome Bonus
None
Card program wound down; company pivoted to a paid subscription service
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
None
required (no credit check)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 0xNo rewards
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Historically approved applicants on bank cash flow instead of credit scores
- ✦No interest charges by design; balance auto-paid weekly
Why it earns its spot
- +The original underwriting idea, approval without a credit file, was genuinely novel
Where it costs you
- −All three credit bureaus cut off Tomo's reporting in 2024 and it has not resumed
- −Company pivoted to a paid subscription credit product with heavy complaint volume
- −A builder card that cannot report to bureaus builds nothing
The Compound Verdict
Avoid. Tomo pivoted from cards to a subscription service after defaulting on its credit line, and the bureaus stopped accepting its data in 2024. A credit-building product that does not report to Equifax, Experian or TransUnion cannot build credit. Use Chime Credit Builder or a secured card instead.
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