# Tomo Card — Build Amazing Credit > Credit card for building credit history with no prior score required. (iPhone/iPad app by TomoCredit Inc.) - Source: https://appshunter.io/ios/app/tomo-card/id1511011956 (this page in markdown: same URL + `.md`) - Developer: [TomoCredit Inc](https://appshunter.io/developer/1481385909) - Category: Finance, Lifestyle - Price: Free - Rating: 2.43/5 from 92 App Store ratings · 109 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 66 MB - Languages: English - Released: 2020-05-12 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/tomo-card/id1511011956/reviews.md ## What is Tomo Card? No Credit Score or Credit History Required Whether looking for your first credit card or adding to your arsenal, Tomo is the perfect fit! Once approved, you are automatically qualified for Mastercard World Elite Benefits. Our customer favorites include $60 DoorDash Credits, $60 Lyft Credits, and $1,000 Cellphone Protection. Tomo is a credit card that doesn’t require you to have an existing credit history. Start off on the right foot with building credit, or boost your existing score. Using the Tomo Card app, you can monitor your credit score, manage your card, view your transactions, make payments, redeem points, and more. ## Key features - No credit score or history required - Mastercard World Elite Benefits - DoorDash and Lyft credits - Cellphone protection - Monitor credit score - Manage card and transactions - Make payments and redeem points ## What do users think of Tomo Card? Overall sentiment: negative **Pros** - 🚀 Great for credit building - 👍 Easy application process - 💡 Helpful credit score monitoring - 🚀 Weekly payment schedule - 👍 Convenient for daily purchases **Cons** - 🐛 Inability to cancel subscription - 🐛 Lack of customer support - 🐛 Inconsistent credit reporting - 🐛 Unauthorized account charges - 🐛 Accounts closed without explanation **Commonly reported bugs** - App crashes and freezes - Inaccurate credit score updates - Issues with bank account linking **Most requested features** - Option to change payment due date - Ability to export transaction data - In-app customer support chat - Compatibility with mobile wallets ## Recent user reviews (10 of 109) All indexed reviews: https://appshunter.io/ios/app/tomo-card/id1511011956/reviews.md ### 1/5 — No way to cancel subscription! *2024-08-17* I have requested by email to cancel my subscription at the end of my subscription. This company will not cancel the subscription. They just ignore my request. I am now at the point of filing a small claims suit. I will also be contacting the Consumer Financial Protection Bureau to file a complaint. Do not sign up for this service. You will be paying forever because there is no way to cancel. They will attempt to charge every credit card they have on file until they get a monthly payment. There is no way to delete your credit card information from the account. This business is fraudulent and should be shut down. ### 1/5 — SCAM *2024-07-17* I signed up for an account at the end of may, I paid for the subscription, when it wouldn’t work I reached out to them with no response. Luckily the card it was linked to is a bank account that I closed not long after. Recently I have been receiving texts saying that my account will be terminated and “closing a line of credit” can negatively impact my credit score when they didn’t even give me a line of credit. PLEASE DO NOT USE THIS COMPANY THEY ARE A SCAM. ### 1/5 — Fraud Fraud fraud. *2024-06-29* TOMO WILL KIT ALLOW YOU TI CANCEL YOUR MEMBERSHIP. THIS AI THEFT AND FRAUD. THEY HAVE THE WORST SUPPOT. THEY HAVE NO ADEQUATE SUPPORT TEAM. ITS ALL AI NO HUMANS. FALSE ADVERTISEMENT. THEY DINT TELL YOU THE TRUTH ABOUT THE SERVICE UNTIL YOU HAVE BECAME A MEMBER. I NEVER NEEDED OR WANT THE TYPE OF SERVICE THEY PROVIDE. WHEN I SEEN WHAT THEY ACTUALLY DO, I’ve been trying since May to cancel my membership. The same exact day I signed up I’ve been trying to cancel. Tomo has not assisted me in canceling and receiving a refund. The worst App company out San Francisco. Worst app. Does not help credit. The do not actually report to any credit company. They just take your money. Thee worst. They have not help me at All. With credit or cancellation of membership. Seeking legal help now. ### 1/5 — Con Artist and Fraudulent Company *2024-06-21* Didn’t even get the option to get a card. I spent $129 for credit boosting and monitoring and nothing reported to my credit. Then when I reached out to them to cancel, no response. They had no problem stealing my money though. If I could give them negative stars I would. ### 1/5 — Scam - They Do Nothing *2024-06-01* I bought a premium 12 month boost in January 2024 and after almost 5 months, they still failed to report a limit on my credit report. They refused to offer a refund and they refused to correct the problem after I reached out 7 times via email. I had to reach out via email by the way instead of Phone because they don’t have an active phone number! Beyond shady practices, please don’t waste your time or money. ### 1/5 — Beware! *2024-05-30* There is no line of credit offered at any membership level. You will also be ignored by customer service, and there is no option to close your account in the app or on the website. Please don’t get trapped. ### 5/5 — What a breath of fresh air. *2024-05-23* I’ve been putting my people on to Tomo since last year and they’ve all had positive experiences. It’s a reliable option for those looking to build credit responsibly. Wouldn't know what I would do with out. 🙏🏻 ### 5/5 — It's getting good! *2024-05-21* Highly recọmmend Tomo for anyone looking to take control of their finances with smart tools. ### 1/5 — DO NOT USE!!! It’s a SCAM!!! *2024-05-15* I signed up, and it didn’t even help with credit building. They have no phone number to call customer service! They always say “we’re not accepting calls at this time.” And on top of that they keep sending me emails to “update my billing info” for the subscription, AFTER I have emailed them over 5 times to request cancelling my subscription, and for someone to call me. My emails have been ignored and never responded to with no call back. The icing on the cake my credit has gone down due to them not closing my account. I’m reporting them immediately! It is despicable what kind of company this is. ### 5/5 — Not going back *2024-05-10* The credit score improvement tips from tomo have helped me raise my score significantly over time. 😆 ## Frequently asked questions about Tomo Card ### What is Tomo Card? Tomo Card is a credit card designed to help you build or improve your credit history. It is accessible even if you have no existing credit score or credit history. The app allows you to manage your card, track spending, and monitor your credit score. ### What are the benefits of using Tomo Card? Upon approval, you automatically qualify for Mastercard World Elite Benefits. These include popular perks such as $60 in DoorDash credits, $60 in Lyft credits, and $1,000 in cellphone protection. You can also redeem points through the app. ### Do I need a credit score to apply for Tomo Card? No, a significant advantage of Tomo Card is that it does not require an existing credit score or credit history for approval. This makes it an ideal option for individuals starting their credit journey. ### How can I manage my Tomo Card? You can manage your Tomo Card through the dedicated Tomo Card app. The app allows you to monitor your credit score, view your transactions, make payments, and redeem rewards, providing a comprehensive tool for your credit management. ### Is there a cost associated with Tomo Card? Based on the provided information, the app itself is free to use and does not have in-app purchases or ads. The primary cost associated with a credit card is typically interest on balances carried over and potential annual fees, which are not detailed here. ## Version history (last 5 releases) ### 1.6.3 — 2024-05-07 Empower your credit journey with our latest update! Here's what's new: Credit Building Tools: Boost your credit score with personalized tips. Sleek UI: Provides a more streamlined way to navigate through our different products. Performance Improvements: Faster loading times and bug fixes. ### 1.6.2 — 2024-04-04 Empower your credit journey with our latest update! Here's what's new: Credit Building Tools: Boost your credit score with personalized tips. Sleek UI: Provides a more streamlined way to navigate through our different products. Performance Improvements: Faster loading times and bug fixes. ### 1.6.1 — 2024-03-04 Minor improvements ### 1.6.0 — 2024-02-12 Minor improvements ### 1.5.9 — 2023-08-23 Minor improvements ## Apps similar to Tomo Card | App | Rating | Price | Category | | --- | --- | --- | --- | | [Kora Money](https://appshunter.io/ios/app/kora-money/id1478980460) | 4.4 (4,751) | Free | Finance | | [Grow Credit](https://appshunter.io/ios/app/grow-credit/id1482246872) | 4.8 (10,113) | Free | Finance | | [Sable](https://appshunter.io/ios/app/sable/id1474654292) | 4.7 (8,135) | Free | Finance | | [Ava: Build Credit Fast](https://appshunter.io/ios/app/ava-build-credit-fast/id1584183782) | 4.9 (46,311) | Free | Finance | | [Extra](https://appshunter.io/ios/app/extra/id1489550124) | 4.6 (9,512) | Free | Finance | | [Atlas - Rewards Credit Card](https://appshunter.io/ios/app/atlas-rewards-credit-card/id1617487581) | 4.7 (221,660) | Free | Finance | ## More apps by TomoCredit Inc - [Tomo IQ](https://appshunter.io/ios/app/tomo-iq/id6480527903) - [TomoCredit](https://appshunter.io/ios/app/tomocredit/id6504301873) All apps by TomoCredit Inc: https://appshunter.io/developer/1481385909 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*