Tomo Mastercard 2025: The Credit Card With No Credit Check & 0% APR

Everything you need to know!

Building credit in the U.S. is often a catch-22: you need credit to get credit. The Tomo Mastercard flips that script by offering approval without a credit check, no security deposit, and no revolving interest charges.

With a few changes in 2025—like a small monthly fee but still reporting to all three credit bureaus—Tomo remains one of the most intriguing options for anyone searching for a credit card for no credit history.

🚀 Key Benefits of the Tomo Mastercard

• No Hard Inquiry – Approval is based on your bank account activity (via Plaid), not your FICO score.
• 0% APR Forever – Weekly automatic payments keep you debt-free.
• Reports to Equifax, Experian & TransUnion – Essential for building a real credit profile fast.
• $0 Security Deposit – Unlike secured cards, your cash stays in your account.
• Digital-First Experience – Instant virtual card + mobile app management.

⚠️ Update for 2025: Tomo now charges a $2.99/month membership fee (≈ $35.88/year) and removed cashback rewards in late 2024.

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👤 Who the Tomo Mastercard Is Best For

• Newcomers to the U.S. with no FICO score
• Students and young adults starting their credit journey
• Gig workers or freelancers without traditional W-2 income
• Anyone rejected by secured or subprime cards but still needs to build credit

🔑 How It Works (Step by Step)

1. Apply online and link your checking account.
2. Tomo analyzes your income and cash flow (not your credit).
3. If approved, you’ll receive an instant virtual card.
4. Spend normally—but balances are repaid weekly via autopay.
5. On-time payments are reported monthly to all 3 credit bureaus.

⚖️ Tomo vs Competitor Cards

Feature	Tomo Mastercard	Petal® 2 Visa®	Discover it® Secured
Credit Check	❌ None	✅ Soft	✅ Hard
Annual/Monthly Fee	✅ $2.99/month	❌ None	❌ None
Cashback	❌ None	✅ Up to 1.5%	✅ 2% (gas/dining)
APR	❌ 0% (weekly payment)	✅ 18.24–32.24% V	✅ 28.24% V
Security Deposit	❌ No	❌ No	✅ Yes ($200+)
Credit Reporting	✅ Yes (All 3)	✅ Yes	✅ Yes

👍 Pros & 👎 Cons

Pros

• No credit history required
• Always 0% APR
• Builds credit with 3 bureaus
• Virtual card available instantly

Cons

• $2.99/month fee
• No rewards program
• Weekly repayment schedule (less flexible)
• Credit limits may start small

The Tomo Mastercard is one of the few real alternatives for building U.S. credit without security deposits or high interest. If you can handle weekly payments and don’t mind a small monthly fee, it’s a strong first step toward better credit.

👉 See if you qualify for the Tomo Mastercard today — no hard inquiry, no risk to your credit score.

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