The Petal card that offers a no-fee credit line to people without a credit history, is now publicly available. The card launched earlier this year with a few thousand customers that have trialed the company’s credit card in a pre-release.

Petal uses information from a customer’s bank account and payments to develop a credit score for individuals who haven’t had time to build up a financial picture that most banks or credit card companies use to create risk profiles and issue credit. They use metrics such as how much you make, save and spend every month.

The card stands apart for other start up cards for since it has no fees and reasonable APRs. They boast “no overdraft fee, late fee, international fee, annual fee, or any-other-kind-of-fee, fee”. And Petal offers credit limits that are, in many cases, ten times higher than its competitors.

The lack of rewards or cashback is the only negative. But for people who can’t get unsecured credit cards, and are trying to build their credit history, this could be a good option.