Written by Sarah James ·
Start Building Credit
No credit history required. Apply in minutes.
Here at Tomo, we know you're not just a credit score. When you sign up today not only can you get approved with no credit history but we are the first card offering up to 20% in cashback. EVER.
Here at Tomo, we know you’re not just a credit score. When you sign up today not only can you get approved with no credit history but we are the first card offering up to 20% in cashback. EVER.
First, you’ll want to sign up for our waitlist. When you get your welcome email, simply apply for our card like you would for any other credit card — minus the credit check! Tomo Credit assesses your eligibility not by looking at your credit score, but by analyzing your banking history.
Once accepted you will receive a unique referral code that you can share with your friends, colleagues and acquaintances. For each person that is approved for a card, you both receive 1% in cashback rewards.
Cashback works via redeeming the Tomo points you earn from spending on your Tomo card for cash. For example, if you have referred 19 people that get approved for a Tomo card, you will earn 20% in cashback. When you spend $100, you will receive 2,000 points. 100 Tomo points = $1 in cash so the 2,000 Tomo points you earned are worth $20 in cash which can be withdrawn into your checking account. It’s that simple.
Your cashback bonuses for referring people are valid for three months and you can replenish these with new referrals to keep your cashback high for a longer period.
You can track your balance, rewards, and pay off your card on the dashboard on mobile or web browser.
Tomo cards are currently limited to only 50,000 so the quicker you sign up the better. Also, don’t forget the more you share, the more rewards you will earn!
You can get on the waitlist by using the below link:
Join the waitlist
In the future, we hope to offer you other types of rewards that you can redeem your Tomo points for, including crypto currency.
We are here to help! If you have any questions please don’t hesitate to contact us.
A lack of US credit history meant I was unable to apply for almost all credit cards. After lots of research, I came across Tomo, which was tackling exactly that problem.
ChatGPT gave surprisingly solid advice on how to build credit — but the more I read its answer, the more I realized it was giving information, not guidance.
AI cannot magically raise your credit score overnight. But it can help people make better decisions, develop stronger habits, and avoid the mistakes that slow progress.
The language used on this page is for creative purposes only. TomoCredit (or TomoBoost) does not guarantee an increase in credit score. Individual results vary based on each person's unique credit history and financial circumstances, and subscription payments are non-refundable.
Start Building Credit
No credit history required. Apply in minutes.