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This technology-rich card has no fees and interest.

  • Get this card if you want to build your credit without paying any fees.
  • Pick something else if you want to earn rewards on your purchases.
  • Apply with any credit score or with no credit history.
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Annual fee

New to credit

Recommended credit score


Annual fee$0
Welcome OfferN/A
Balance transfer APRN/A
Recommended minimum credit scoreNew to credit

Review by

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

Once you strip the card from its fancy promotional descriptions — a technology-powered, unrivaled card with flux capacitor tools and stealth features — you get a simple card designed for building credit. In particular, the Visa card targets banking newcomers, millennials and Gen Z Americans distrustful of the financial system. The team believes the reasons for this distrust are high-interest rates and spending borrowed money that can drag anyone into debt.

This card is truly a unicorn in the sense that it works like a debit card — i.e. you can spend only what you have — and it works like a credit card with its own algorithm that focuses on credit utilization instead of only on timely payments. According to’s team, this can help cardholders build credit faster than using traditional credit cards. Other features include virtual cards you can more safely use at shady websites and vendors, a cool-looking metal card, and no annual fee or any other fees and interest.

How to apply for Visa card

The Visa card is still in beta, but you can request access. Here’s how:

  1. Visit the website.
  2. Click Apply for beta access.
  3. Fill out the form with information like your name, address and phone number.
  4. Click Submit.

What credit score do I need?

You can apply with any credit score or with no credit history. Visa card benefits

  • Build credit. With a feature called Credit Optimizer, aims to help people with no credit build their credit score faster than they would with traditional cards. According to, this is an AI-enabled algorithm that reports your credit utilization to credit bureaus and not just your payments like standard credit cards do.
  • No fees and interest rates. You won’t pay an annual fee or any other fees and interest rates. The way we understand this card is that you use your own funds deposited into your account, much like a debit card, and you don’t get any credit line from the card issuer.
  • Stealth cards. You can create virtual cards for high-risk online transactions and then close them to keep your account safe.
  • Metal card. The Unicorn card is made out of metal, which gives it a premium feel.
  • Start using your card right away. Once approved, you don’t have to wait for the physical card to arrive. You can use your virtual card to make purchases or add to your digital wallet.
  • Early access to your paycheck. You can access your paycheck and deposits two days before they land in your account.

Which bank issues the Visa card?

The Visa card is issued by Wilmington Savings Fund Society (WSFS). Your funds are also FDIC insured up to $250,000.

Compare credit cards for building credit

Name Product Filter values Rewards Purchase APR Annual fee
Citi® Secured Mastercard®
22.49% variable
A no annual fee secured card for people who are new to credit or have limited credit history.
Petal® 2
1% cashback, 1.25% after six on-time payments and 1.5% after 12 on-time payments, plus 2% - 10% back from select merchants
12.99% to 26.99% variable
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.
Petal® 1
2% - 10% cash back from select merchants
19.99% to 29.49% variable
A high-limit no-annual-fee credit card that's ideal for rebuilding scores as low as 550. See if you prequalify with no impact to your credit.

Compare up to 4 providers

Bottom line

The Visa card is a metal card designed for building credit and protecting your account from unauthorized access. You don’t get to earn any rewards, but this is compensated with no interest or fees of any kind. If this card isn’t right for you, check out other credit cards to help you build credit.

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