Tomo Credit Card
By Alex Compton · Last verified
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)
Common Questions
Is the Tomo Credit Card discontinued?
Yes. Card program wound down; company pivoted to a paid subscription service. A no-credit-check card whose one job, credit bureau reporting, stopped working.
What can I use instead of the Tomo Credit Card?
The closest open alternatives we track are the Chase Sapphire Preferred, Capital One Savor, Bilt Mastercard. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Tomo Card is gone, but these cards do a similar job and are still accepting applications.
The best first travel card in the game. Full transfer partner access for $95.
3% on dining, groceries, entertainment and streaming. No fee.
The only card that earns points on rent with no fee.
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Last verified 2026-06-11 · spot an outdated offer?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.
Rate this card
Be the first to rate it
Commentson Tomo Card
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.