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.

  • $500 - $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.

  • Variable APRs 19.99%-29.49%.

  • No annual or foreign transaction fees.

  • Build credit alongside tens of thousands of Petal Card members.

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

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

  • 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: 19.99% - 29.49% Variable APR

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$0

Annual Fee

$0

Regular APR

19.99% - 29.49% Variable APR

Regular APR

22.99% Variable APR

Rates & Fees

Regular APR

26.99% Variable APR

Intro APR

N/A

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Melissa Lambarena

Rating details

3.9

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.