TomoCredit, Credit Redefined. We help young adults build and establish good credit through next-gen financial technology. No fees, no interest and no credit history required. Get pre-approved today and reserve your card. TomoCredit is built by young immigrant founders who felt the pain of getting a credit card as a foreign national. We are dedicated to build the smartest card that does not require a credit score for approval. Millions of Americans can’t access affordable credit, simply because they have no credit history. Without good credit, everything becomes difficult and more expensive— auto loans, insurance rates, mortgage— even jobs applications are affected by your credit score. We are based in the heart of San Francisco. We are excited to help you get the card that will help you BUILD credit and SAVE money.