Mainstream

Petal 2 Cash Back No Fees Visa

WebBank・Visa・No.056

Uses your bank cash flow instead of a credit score, so newcomers with no history can still get approved.

✓ Verified · 2026-07-16

🎁 Up to 1.5% cash back after on-time payments (illustrative)

✓ Annual fee, APR and foreign-transaction fee verified against the issuer on 2026-07-16. Welcome offers change often — always confirm the current offer on the issuer's site.

Reward highlights

Approvable with no credit history via cash-flow underwriting
1% to 1.5% cash back on purchases
No annual fee and no fees of any kind

Who it's for

Best for people with thin or no credit history who can show steady bank income instead of a score.

Good for

Cash back Build credit

Key benefits

Approvable with no credit history via cash-flow underwriting
1% to 1.5% cash back on purchases
No annual fee and no fees of any kind
Reports to all 3 credit bureaus

Rates & fees

APR and fees are illustrative — confirm current terms on the issuer's site.

Frequently asked questions

Can I apply without a credit score?

Yes — Petal can underwrite you using your bank cash flow, so no prior credit history is required.

Do I need an SSN?

Yes, Petal 2 generally requires an SSN or ITIN to apply; it is not a no-SSN card.

Is there an annual fee?

No, Petal 2 has no annual fee and no other fees.