Tomo Student Credit Card

Student card using alternative data, no credit score needed.

Last checked on September 1, 2026. We may earn a commission when you click through.

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✓ No credit score required ✓ No annual fee ✓ No interest
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Tomo Student Credit Card

Mastercard · student

Our Verdict Recommended

Uses bank transaction data instead of credit scores. Must pay full balance — functions like a charge card.

What it really costs

Annual fee No annual fee
Minimum credit score 300

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You'll be redirected to tomocredit.com

Who it's for

Students with no credit wanting guaranteed approval

The good and the not so good

  • No credit score required
  • No annual fee
  • No interest
  • Reports to bureaus
  • Must pay full balance
  • Lower credit limits
  • Requires bank linking

See full review

You'll be redirected to tomocredit.com

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