Petal® 1 "No Annual Fee" Visa® Credit Card

Petal® 1 "No Annual Fee" Visa® Credit Card

on Petal's website

Petal® 1 "No Annual Fee" Visa® Credit Card

Petal® 1 "No Annual Fee" Visa® Credit Card

Petal® 1 "No Annual Fee" Visa® Credit Card

on Petal's website

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Card details

  • $0 Annual Fee.

  • Variable APRs range from 22.24%-31.74%.

  • $300 - $5,000 credit limits.

  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.

  • No credit score? No problem. If eligible, we'll create your Cash Score instead.

  • 2% - 10% cash back at select merchants.

  • See if you're pre-approved within minutes without impacting your credit score.

  • No annual or foreign transaction fees.

  • Build credit alongside hundreds of thousands of Petal card members.

  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.

  • Petal reports to all 3 major credit bureaus.

  • No deposits required.

  • Card issued by WebBank, Member FDIC.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    2%-10%

  • Bonus offer

    None

  • Intro APR

    N/A

  • Ongoing APR

    APR: 22.24%-31.74% Variable APR

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

22.24%-31.74% Variable APR

Regular APR

18.24%, 22.24% or 27.24%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

N/A

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Melissa Lambarena

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

3.5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Qualify with limited/bad credit

  • No foreign transaction fees

  • Reports to the three major credit bureaus

Cons
  • No bonus offer

  • No intro APR offer

The $0-annual-fee Petal® 1 "No Annual Fee" Visa® Credit Card is a solid choice to begin or continue building credit. It’s designed for those with a weak cash flow or less-than-ideal credit history.

The card's issuing bank can consider more than just traditional FICO scores to determine your creditworthiness. It uses Petal’s algorithm to review banking data that offers a full view of your income, savings and spending. You won't need to put down a security deposit to qualify.

Compared with unsecured credit cards for bad credit, the card is light on fees: no annual fees, activation fees or monthly maintenance fees. In fact, cardholders can avoid fees entirely by paying their bill on time. And they can also earn rewards.