The Petal 1 "No Annual Fee" Visa is a personal credit card from Petal 1 "No Annual Fee" Visa. The annual fee is $0. The ongoing APR is 28.24% - 33.24% Variable. Approval typically requires a credit score of 0 or higher. Rewards: 1% – 10% cash back at select national merchants. Cash back: 1% – 10% at select national merchants. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. No credit history needed. Uses bank account cash flow data for underwriting. Accepts ITIN. 2-10% cash back at select merchants. No annual fee. No deposit required.