Petal 1 No Annual Fee Visa Credit Card

A credit card for people with no credit history that uses banking data and cashflow to evaluate applicants, offering cash back at select merchants.

Last checked on September 1, 2026. We may earn a commission when you click through.

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✓ No credit score required to apply ✓ No annual fee or foreign transaction fees ✓ Cash back at select merchants
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Petal 1 No Annual Fee Visa Credit Card

Visa

Our Verdict Recommended

Petal 1 is one of the few cards specifically built for people with zero credit history. Instead of relying solely on credit scores, it analyzes your banking data to determine eligibility. Ideal for students who have a bank account but no credit file yet.

What it really costs

Annual fee No annual fee
APR Range 24.74% – 32.74%

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Who it's for

Students and young adults with absolutely no credit history who want their first credit card without needing a cosigner or security deposit.

The good and the not so good

  • No credit score required to apply
  • No annual fee or foreign transaction fees
  • Cash back at select merchants
  • Uses alternative data for approval decisions
  • Higher APR range than some student cards
  • Cash back is limited to select merchants, not universal

See full review

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