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

  • For a limited time only: Get $25 for a Petal 1 card approval. Full terms apply.

  • $0 Annual Fee

  • 2% - 10% cash back from select merchants

  • $500 - $5,000 credit limits

  • Variable APRs 19.99% - 29.49% APR

  • No annual or international transaction fees. Late and returned payment fees may apply

  • Build credit alongside tens of thousands of Petal Card members

  • Cash flow technology may help applicants without credit history get approved

  • 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

    1%-10%

  • Bonus offer

    For a limited time only: Get $25 for a Petal 1 card approval. Full terms apply.

  • 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

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

19.99% - 29.49% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Melissa Lambarena

Rating details

3.9

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • No security deposit

  • Potential for rewards

Cons
  • Certain fees apply

  • Permanent minimum payment due date

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.

For more information, see NerdWallet’s full review of this card.