Best Tomo Credit Apps

3.4😞(523 ratings)

Free

This app helps you build and manage your credit score. It offers features like rent reporting, bill tracking, and an AI financial assistant to provide personalized advice and improve your financial health.

What We Love

👍 Easy to use
💡 Helpful credit consultations
🚀 Clean, user-friendly design
📈 Effective credit-building tools
💰 Bonus cash back feature

Room to Improve

🚫 Failure to report to major credit bureaus
💸 Expensive premium subscription
🤖 Lack of responsive customer support
🔁 Difficulty canceling subscriptions
❌ Unreliable credit score improvements

X1 Card by Robinhood Markets, Inc.

Smart Credit Card

Strong Contender

4.9😐(12K ratings)

Free

This app provides a digital interface for a smart credit card, offering features like transaction viewing, spending control with virtual cards, and rewards for purchases. It aims to offer higher credit limits and a premium card experience for a new generation of consumers.

What We Love

🚀 Smooth and easy application process
🔒 Robust security features like virtual cards
👍 Sleek and user-friendly app
💡 Innovative features like weekly reward boosts
👍 Excellent customer service and support

Room to Improve

🐛 Account freezes and fraud flags causing issues
💰 Concerns over changing reward structure and policies
🔒 Privacy issues with account monitoring
🔋 Buggy app performance and crashes

Ava: Build Credit Fast by Ava Finance, Inc.

Save Money with Lower Interest

Worth Considering

Pay Phone Bills & Build Credit

4.9😐(50K ratings)

Free

Build a positive credit history and potentially improve your credit score with this app. It offers tools like a credit builder card and a savings account to help you manage bills and establish a credit profile. Get started quickly with transparent pricing and free monthly credit reports.

What We Love

💳 Helps build credit
🆙 Increases credit score
🔍 Transparent about process
💰 Affordable monthly cost
🧭 Easy to use app
🗓️ Reports to credit bureaus
🧠 Innovative credit building concept

Room to Improve

🔒 Strict identity verification
🔀 Inconsistent bank account linking
🤖 Poor customer service
💸 Misleading pricing information
💳 Limited credit usage
🔍 Lack of transparency on credit limit usage

More Tomo Credit apps to explore

Grow Credit

Build credit using subscriptionsNo prior credit history requiredReports to all three credit bureaus

Build credit history for free by using your existing subscriptions. This app helps you establish a credit score on all three major bureaus without requiring prior credit history. It offers various plans to suit your credit-building needs.

(10K)

Atlas - Rewards Credit Card

Earn cash back. Build credit.

High approval ratesBuild credit historyAutomatic savings up to 10%

This app offers a rewards credit card designed for easy approval, even without credit history. It helps users build credit, save money with automatic discounts, and manage their finances securely with features like auto-pay and fraud protection.

(273K)

Kikoff: Build Credit Quickly

Equifax, Experian + TransUnion

Build credit quicklyReports to Equifax, Experian, TransUnionPlans starting at $5/month

Build credit quickly and effectively with this app. It reports your on-time payments to major credit bureaus, helping to improve your credit score. Offers plans starting at $5 per month with no credit checks or interest.

(270K)

Sparrow Card App

Building Credit Smarter

Virtual card access1% cashback on on-time paymentsReal-time notifications

This app offers a credit card designed to help individuals with less-than-perfect credit build their financial future. It provides features like cashback rewards, real-time notifications, and tools to help users improve their credit score and access credit line increases.

Beem: Cash Advance & Banking

(3.3K)

free

Bank, Budget & Build Credit

Instant cash advances up to $1,000Automatic credit building on every purchaseAI agents for job finding, deals, price comparison, and budgeting

This app offers instant cash advances up to $1,000 without interest or credit checks. It also automatically builds your credit with every purchase and provides AI-powered financial tools to optimize your money.

(33K)

Build credit w/o a credit card

Extra

Build credit without a credit cardEarn reward points on purchasesNo credit check required for application

Build credit history without a traditional credit card. This debit card helps you track spending, earn rewards, and report payments to credit bureaus. Apply quickly with no credit check required.

(9.5K)

Petal Card

The Future of Credit

Build credit historyCash back rewardsNo annual fee (Petal 2)

This app helps users build credit and manage finances responsibly. It offers two credit card options, one for credit building and another with cash back rewards and no fees. Users can track their credit score, set budgets, and manage subscriptions.

(11K)

Payments, Balance & Rewards

Amex

Secure account managementTrack spending and rewardsPay bills and manage balance

Manage your American Express account securely from anywhere. Track spending, view rewards, pay your bill, and discover personalized offers. Enjoy quick, safe access with biometric login and instant alerts for added peace of mind.

Zolve Credit Card | Banking

(4.4M)

free

High APY, No SSN Credit Card

US & Canada Credit Card applicationsHigh-yield checking accountsNo SSN/SIN or credit history needed

This app helps international students and workers in the US and Canada manage their finances. It offers credit cards, high-yield checking accounts, and assistance with SIM cards, flights, and insurance.

True Finance: Cash Advance

(3.8K)

ad-supported

Get, Earn, and Save Money

Instant cash advances up to $150Smart budgeting and spending trackerEarn rewards by playing games and surveys

Access instant cash advances, manage your budget with smart tools, and track your credit score. Earn extra income by playing games or taking surveys. Explore financial products from trusted partners.

you’re better than your bank™

Free metal cardNo fees or interestAutomatic credit building

This app offers a premium mobile spending experience with a free metal card. It ensures you never pay fees or interest, helps build credit automatically, and allows early access to your paycheck. Enjoy advanced features for secure and controlled spending.

(6.7K)

Salmon

Credit & savings app

Reusable credit line up to ₱250,000Interest-free purchases for up to 62 daysVirtual card for secure transactions

This finance app connects users with reliable financial services, offering credit lines, savings accounts, and time deposits. Manage your finances, access loans, and make secure transactions all within one platform.

Possible: Fast Cash & Credit

(367)

free

Borrow money, loans, advances

Borrow up to $500 instantlyNo late or penalty feesPay over time in 4 installments

Access quick cash advances and build your credit history with a loan that offers no late fees and flexible repayment options. Borrow up to $500 instantly, even with bad or no credit, and receive funds directly to your bank account.

(134K)

Arro: Build & Grow Credit

Cash Back Credit Builder Card

Build credit historyEarn 1% cash back on gas and groceriesNo deposit required

Build your credit score and earn cash back rewards with this credit builder card. Start with a credit limit up to $300 and grow it to $2,500. Get personalized financial guidance from an AI coach and track your progress with real-time updates.

(1.7K)

We’re here to make money easy

Grid Money

Cash advances up to $200Boost your paycheckEarly tax refund access

Access cash advances between paychecks without interest or credit checks. Boost your take-home pay and receive your tax refund early. Build your credit score with a simple monthly fee.

Step: All-In-One Money App

(29K)

subscription

Build, Spend, Save, and Borrow

Build credit for freeCashback on purchasesEarn interest on savings

This app helps users build credit, earn cashback on purchases, and save money with high interest rates. It also offers early access to funds and opportunities to earn extra cash through various activities. The platform aims to improve financial independence and offers a secure, globally accepted Visa card.

(82K)

Save, Spend & Grow Your Credit

Intuit Credit Karma

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

(7.7M)