The Tomo is a personal credit card from Tomo. The annual fee is $0. Approval typically requires a credit score of 0 or higher. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. No credit check, no SSN required. Accepts ITIN. Requires bank account linkage for underwriting. Reports to all 3 bureaus. 1% cash back. Auto-pay from linked account.