Petal 2 Visa
No-fee, no-deposit card for thin credit files
4.3
Editor rating · out of 5
Best for: Thin-file users who don't want a secured card
Uses your bank data (not just credit score) to underwrite — great for new immigrants and recent grads with no FICO.
Pros and cons
Pros
- +No deposit required
- +Cash back
- +Cash flow underwriting
Cons
- −High APR if you carry a balance
- −Credit limits start low
Key details
Annual fee
$0
See how it compares
Read our full ranking and compare Petal 2 Visa side-by-side with alternatives.
See full business credit card rankings →