The Tomo Credit Card is a no-credit-history card: soft-pull pre-approval, $0 fees, 0% APR, and 1% cashback. You do not need an existing score to qualify. MidBank connects you to Tomo's pre-approval flow so you can check eligibility without a hard inquiry, then build credit as the card reports on a 7-day auto-pay cycle.
A credit card built for people with thin or no credit history — not another hard-pull bank product.
No annual fee. No interest. No late fees. Tomo's payment model is auto-pay every 7 days.
Reports to all three bureaus on a 7-day auto-pay cycle. Many people see a score appear within 30–60 days.
Earn 1% on every purchase. No rotating categories, no caps.
Limits from $100 to $10,000. Adjust on demand based on income and spending.
Pre-approval check is a soft inquiry — your credit score is not touched.
No. Tomo is designed for people with no score yet, or a thin file the legacy banks will not approve.
Pre-approval uses a soft credit pull, so the check itself does not lower your score.
Soft inquiry only. Takes a few minutes and does not impact your score.
If approved, limits range from $100 to $10,000 based on income and spending.
Weekly auto-pay keeps the balance current while the card reports to the bureaus.
Pre-approval takes about five minutes and will not impact your score.
Tomo Credit Card is issued by Community Federal Savings Bank, member FDIC. MidBank receives a referral fee. Approval, credit limits, and all card terms are determined by Tomo and the issuing bank.
