Terms checked 2026-10-26
The best first travel card in the game. Full transfer partner access for $95.
75,000 pts bonus (≈$1,538)AF: $95Rating: 9.0/10
Tomo Credit Card
By Alex Compton · Last verified
A no-credit-check card whose one job, credit bureau reporting, stopped working.
★ 3.0/10TomoCreditpersonalCash Back
DiscontinuedBest for: Nobody today; use a secured card instead
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$0
Last recorded · 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, Chase Freedom Unlimited. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Tomo Credit Card is no longer open to new applicants. Compare these cards for a similar use.
Capital One SavorCapital One
Terms checked 2026-10-23
No-annual-fee cash back on eligible food, entertainment and streaming purchases
$200 bonus (≈$200)AF: $0Rating: 8.5/10
Terms checked 2026-11-02
1.5x on everything, and a points multiplier when paired with a Sapphire.
20,000 pts bonus (≈$200)AF: $0Rating: 8.4/10
Historical Offers Chart
Dated offer history for this discontinued product.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Terms reconfirmedCard program wound down; company pivoted to a paid subscription service | Archive record · no attached snapshot |
| 2022-06 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Historical record · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 0xNo rewards
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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