Question: I don't have a credit score, what are my options for getting a credit card?

If you don't have a credit score, there are a few ways to get a credit card. TomoCredit is a credit-building service that uses alternative data and its own algorithm to determine creditworthiness, even if you don't have a traditional credit history. The service has a variety of features, including credit-building tools, credit monitoring, and instant financial advice through an AI-powered chatbot. Its Tomo card has a 7-day automatic payment option and spending limits up to $30,000, with a variety of pricing plans to help you improve your credit score.

Another good option is Nova Credit, a service that collects consumer credit data from a variety of sources, including international credit bureaus and bank data aggregators. It offers tools for credit risk assessment, income verification and fast approval for people who are new to mainstream credit. By using alternative credit data, Nova Credit helps lenders reach people who are underserved by traditional credit systems, so it's more likely you'll be approved for a credit card.

If you're looking for a more complete financial management tool, Cushion is a good choice. It helps you manage bills and build your credit history by securely linking accounts and providing a unified view of your financial obligations. Cushion also has features like bill tracking, credit score monitoring and BNPL management that converts BNPL payments into credit-building payments. The tool's virtual Cushion card can help you build credit while keeping your spending in check.