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  Tomo Credit Card
Tomo Credit Card
in Credit Cards from TomoCredit
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Tomo Credit Card

Unaffiliated
in Credit Cards from TomoCredit
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Highlights
Purchase APR  (Variable APR) N/A
Balance Transfer APR  (Variable APR) 0%
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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • 0% 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.
  • Annual fee waived 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 bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Tomo Credit Card

The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers .
  • No balance transfer fee.
  • No annual fee.
  • Annual fee waived during the first year.
  • Free access to your credit score.
  • Considers applicants who don't have a credit history.
  • No foreign transaction fee.
  • Tomo Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.

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.

What are the Tomo Credit Card benefits?

It provides the following benefits:

  • 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%

Tomo Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 0%
Balance Transfer APR 0%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 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?

The following fees apply:

  • There is no overlimit fee
Tomo Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Initial Program Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $0
Late Payment 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.

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 Tomo Credit Card customer service number 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.

What is the Tomo Credit Card login page?

You can access the Tomo Credit Card login page here.

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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Tomo Credit Card

  • Visit the Tomo Credit Card website.
  • 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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 5:00pm

About Tomo Credit Card

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
No Annual Fee First Year
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
Returned Payment Fee $0
Paper Statement Fee $0
Additional Card Fee Amount $0
Late Fee Amount $0
Initial Program Fee $0
Credit History Not Required
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • U.S. Temporary Resident Visa Holders
Checking Account Required
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Free Credit Score
Rewards Categories
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 0%
Credit Limit $100 - $10,000
Penalty APR (Variable APR) 0%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 0%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Cashback
Card Network Mastercard

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