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Tomo Credit Card

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The Tomo card has no fees and no interest, but you cannot carry a balance. Instead, you’ll be on a seven-day auto-pay cycle. There’s no credit check required, but you will need to link a bank account.

Our rating
Min. credit level: No credit check required
Annual Fee: $0
Regular APR: N/A

Tomo Credit Card

Our rating
No credit check required Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


Spending Rewards
  • 1% cash back on all purchases

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee N/A
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
  • No Foreign Transaction Fee
Tomo Credit Card


  • 1% cash back on all purchases
  • U.S. citizenship is not required to apply for the card
  • Credit limits range from $100 to $10,000.
  • Rewards show up 28 days after the previous statement has been paid in full
  • 0% purchase APR – balance is paid in full each month
  • No credit check or credit history required to apply
  • No foreign transaction fee
  • No annual fee

Community Federal Savings Bank

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service


The Tomo Card goes against the grain by offering an easier path to excellent credit, with terms that are extremely customer friendly and productive for building credit scores efficiently.

This card has no purchase APR and no fees, but that doesn’t mean you can’t be late on a payment. Their terms state that if balances are not paid in full each month, your card will be frozen until paid, and you also risk “account deactivation and termination”.

To mitigate some of this risk, Tomo has designed your card to auto pay on a seven-day cycle. The card reports to all three credit bureaus, so by keeping your balance low and making consistent on-time payments, your credit scores will improve at a quicker rate.

There are no credit checks to apply for the Tomo card, so you don’t need a credit score or credit history for approval. Credit limits range from $100 to $10,000.

There are also no fees attached to this card, including no annual fee.

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