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Highlights
Purchase APR (Variable APR)
N/A
Balance Transfer APR (Variable APR)
0%(Verified 06/21/2024)
Credit Score Range
300 - 850
Annual Fee
$0
Tomo Credit Card Review
This is a cashback credit card issued by TomoCredit. If you're wondering whether Tomo Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- $0 intro annual fee for the first year. Tomo Credit Card gives you the chance to have the card for a year without paying the $0 annual fee.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Tomo Credit Card
| The Good | The Bad |
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Tomo Credit Card FAQ
Does Tomo Credit Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Free Credit Score
- Reports to major credit bureaus
What are the relevant APRs for Tomo Credit Card?
The card has a variable balance transfer APR of 0% . It also has a variable cash advance APR of 0% .The good news is this card does not charge a penalty APR if you are late on a payment.
Does Tomo Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Tomo Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Tomo Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $0 . Does Tomo Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Tomo Credit Card?
The customer service number for Tomo Credit Card is (650) 416-6539.
What is the support contact email for Tomo Credit Card?
The support contact email for Tomo Credit Card is help@tomocredit.com.
How do people rate the customer service and user experience of Tomo Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Tomo Credit Card report your account activity to credit bureaus?
Yes, Tomo Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does TomoCredit perform a hard credit pull?
Yes, Tomo Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Tomo Credit Card
- Visit the website of Tomo Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Headquarters
535 Mission St Floor 14
San Francisco, CA 94105
Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturday9:00AM - 5:00PM
Other Services by TomoCredit
SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-100
-1000+100
No one recommends
Everyone recommends
Tomo Credit Card Community Reviews
Would you recommend Tomo Credit Card to your friends?
RC
Richard C.
Sep 19, 2023
May or may not recommend
When you have fraud charges no helps you and you are stuck paying for the fraud. So far 650 they pulled from.my back. Have emailed fir over a week with no answer back
U
Anonymous
Feb 15, 2023
May or may not recommend
There is no cisntomer support people to talk to I paid my balance and they still locked my card so I can’t even use it I think it’s a scam and my bank will be called they over drafted my account 400 dollars so it had to close my account
Showing 2 of 2 reviews
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