Petal 2 Visa

A no-fee Visa card for people with no credit history, earning 1% cash back that grows to 1.5% with on-time payments.

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

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✓ No credit history required — uses bank account cash flow for approval ✓ Cash back rate increases from 1% to 1.5% with on-time payments ✓ No annual fee, no foreign transaction fees, no late fees
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Petal 2 Visa

Visa · cashback

Our Verdict Recommended

Petal 2 stands out by using cash flow data from your bank account to evaluate creditworthiness, making it accessible to students with no credit history at all. The growing cash back rate rewards responsible behavior, and there are zero fees across the board.

What it really costs

Annual fee No annual fee
APR Range 18.24% – 32.24%
Rewards1% to 1.5% cash back 1.5%

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Who it's for

Students with absolutely no credit history who want a no-fee card that rewards building good habits over time.

The good and the not so good

  • No credit history required — uses bank account cash flow for approval
  • Cash back rate increases from 1% to 1.5% with on-time payments
  • No annual fee, no foreign transaction fees, no late fees
  • Accepted everywhere Visa is accepted
  • Automatic credit limit increases with responsible use
  • Starting cash back rate of 1% is below average
  • APR can go as high as 32.24%
  • No traditional sign-up bonus

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