Secured card · Community Federal Savings Bank
Tomo Credit Card
Tomo Credit Card is the no-fee card for building credit: 1% back on everything, with no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | Community Federal Savings Bank |
|---|---|
| Network | Mastercard |
| Type | Secured |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 1% cash back on every purchase, with no spending limit on the flat rate. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
1% cash back on every purchase, with no spending limit on the flat rate.
Who it is built for
Built for people building their credit history without a security deposit.
Current details — visit the official Tomo Credit Card page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
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Discover it Secured
2% cash back at gas stations and restaurants (up to $1,000 in combined purchases each quarter), and 1% cash back on everything else.
OpenSky Plus Secured
No points or cash back program — this card is built for establishing a credit history with a security deposit.
Frequently asked questions
What is the Tomo Credit Card?
Tomo Credit Card is the no-fee card for building credit: 1% back on everything, with no annual fee as of 2026.
Does the Tomo Credit Card have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the Tomo Credit Card earn?
1% cash back on every purchase, with no spending limit on the flat rate.
Who issues the Tomo Credit Card?
The Tomo Credit Card is issued by Community Federal Savings Bank and runs on the Mastercard network.
Sources
- https://www.tomocredit.com/ — Tomo's card page
- https://www.cfsbny.com/ — Issuer's site
Page last updated 14 November 2026.