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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
How to choose between different
rewards credit cards?
If you are thinking about getting a new credit card with rewards like the Tomo Credit Card, but have some doubts about it, you are in the right place. We will show you why some cards are not the cards you would want to have in your pocket and which card is better to have instead. You will see how a general cash back credit card can help you save more on all purchases.
Offer is not available
The Tomo credit card might not be the best option if you are after rewards
Here we are comparing basic features of two credit cards. As an example, we took the Tomo card and a time-proven credit card with rewards and compared them. This simple side-by-side comparison can help you understand which card is worth applying for. Look at the reasons why the Tomo card might not be the best choice.
OPTION 1
our choice
on Capital One's secure website
Average, Fair, Limited Credit
OPTION 2
Tomo Credit Card
Offer is not available
Any Credit
REASON 1: POOR REWARDS
The Tomo card offers 1% cash back on purchases. At the same time, other rewards cards can offer you various rewards options during the entire period of using the card. You can choose to earn fixed cash back on all purchases or find a credit card with categories that earn elevated rewards. Moreover, rewards credit cards will always allow you to earn the basic 1% or 1 point on all purchases.
REWARDS
-
Earn unlimited 1.5% cash back on every purchase, every day
-
Earn cash rewards without signing up for rotating categories
Earn 1% cashback on all your purchases.176
REASON 2: LIMITED REDEMPTION OPTIONS
Even if you earn unlimited rewards with the Tomo credit card, your redemption options will be limited. Regular rewards credit cards give more flexibility here. Many allow redeeming rewards as cash deposited to your bank account or simply cover any purchase with rewards.
REWARDS REDEMPTION
Redeem your cash back for any amount, anytime.
See terms176
Cash back doesn't expire for the life of the account
See terms176
REASON 3: A CHARGE CARD
The Tomo credit card is not a traditional credit card, but a charge card. That means it charges no interest but will require you to pay your balance in full each month. If you fail to do so, your card will be blocked.
Rewards credit cards give more freedom here. They allow you to have a revolving balance that you can pay off over time. Regular credit cards can come with low interest rates and even with 0% intro APRs on purchases for a year on average. Still, rewards credit cards are not the credit cards you would want to carry a balance on as interest you pay will eat all the rewards you earn. However, anything can happen, and knowing that your card won't be blocked when you can't pay off the entire balance, will help you feel more confident about the future.
Rewards credit cards give more freedom here. They allow you to have a revolving balance that you can pay off over time. Regular credit cards can come with low interest rates and even with 0% intro APRs on purchases for a year on average. Still, rewards credit cards are not the credit cards you would want to carry a balance on as interest you pay will eat all the rewards you earn. However, anything can happen, and knowing that your card won't be blocked when you can't pay off the entire balance, will help you feel more confident about the future.
REGULAR APR
26.99% (Variable)
0%176
ANNUAL FEE
$39
No176
Our choice for
online shopping 2021
This cash back credit card from Capital One will be especially appealing to those who love earning fixed cash back rewards. The card earns an unlimited 1.5% cash back on all purchases without any changing categories or enrollment. A small annual fee may deter some people from applying for this card. However, it can be easily offset by earned cash back in no time.
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
Popular credit cards for
online shopping
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0 at the Transfer APR
Annual Fee
$0
- Pay no annual fee
- Be automatically considered for a higher credit line in as little as 6 months
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help build your credit through responsible use of a card like this
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0 at the Transfer APR
Annual Fee
$39
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
our choice
Intro APR on Purchases
0% (6 months on Purchases)
Intro APR on Balance Transfer
10.99% (6 months on Balance Transfers)
Regular APR
12.99% - 21.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
- Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0 at the Transfer APR
Annual Fee
$0
- Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
- Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
- Enjoy no annual fee and no foreign transaction fees
- You can help build your credit with responsible use of a card like this
- Pick the monthly due date that works best for you
- Be automatically considered for a higher credit line in as little as 6 months
- $0 fraud liability if your card is ever lost or stolen
- Monitor your credit profile with the CreditWise® app, free for everyone
our choice
Intro APR on Purchases
0% (6 months on Purchases)
Intro APR on Balance Transfer
10.99% (6 months on Balance Transfers)
Regular APR
12.99% - 21.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
- Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
8.99%-29.99%
Balance Transfer Fee
N/A
Annual Fee
$0
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a card with the low cost and predictability of a loan
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
Best cards for shopping
for bad or no credit
our choice
Card Type
Unsecured
Regular APR
24.99% - 29.99% (Variable)
Annual Fee
See website for Details*
Guaranteed Approval
No
Instant Response
Yes
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
our choice
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Guaranteed Approval
No
Instant Response
Yes
- Instant Approval / $750 Credit Line!
- TRY US RISK-FREE FOR 7 DAYS!
- No Employment or Credit Check
- Reports to Major Bureau
- Bad Credit, No Credit - OK
- Always 0.0% APR
- Fast Online Applications
our choice
Card Type
Unsecured
Regular APR
24.99% - 29.99% (Variable)
Annual Fee
See Terms
Guaranteed Approval
No
Instant Response
Yes
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
questions ABOUT
REWARDS CREDIT CARDS
Is it worth applying for the Tomo credit card? I want to start my credit and haven't used credit cards before.
The Tomo credit card is a charge card, which means you will have to pay the card balance in full each month. Also, while you don't have to have a credit history to apply for the card, you will need at least one bank...
Read moreWill I get some rewards bonus if I apply for Tomo credit card?
Unfortunately, the Tomo credit card doesn't offer any sign-up bonus. It only allows to earn cash back on purchases. If you want to earn a considerable amount of rewards at once by obtaining sign-up bonus, check rewards...
Read moreWhat is a cash back credit card?
A cash back credit card is a card that offers a cash back reward program as an incentive. Essentially, it means that a percentage of the amount spent on purchases is returned to you. This percentage may differ...
Read more
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Updated: May 15, 2021