Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

on Petal's website

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

on Petal's website

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Card details

  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee

  • Up to 1.5% cash back after making 12 on-time monthly payments

  • 1% cash back on eligible purchases right away

  • 2% - 10% cash back from select merchants

  • $500 - $10,000 credit limits

  • Variable APRs 12.99% - 26.99%

  • 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

  • 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

    1%-10%

  • Bonus offer

    None

  • Intro APR

    N/A

  • Ongoing APR

    APR: 12.99% - 26.99% 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

12.99% - 26.99% 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

Not sure which card is best for you?

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NerdWallet review

By Melissa Lambarena

Rating details

4.4

Editor's overall rating

Pros and cons

Pros
  • Qualify with average credit

  • No annual fee

  • No foreign transaction fee

Cons
  • Permanent minimum payment due date

The Petal® 2 "Cash Back, No Fees" Visa® Credit Card is an ideal starter card for someone with little or no credit history.

That's because the card's issuing bank can consider more than just traditional FICO scores to determine your creditworthiness. It may also evaluate factors like your income, savings and spending. You won't need to put down a security deposit, and the card's annual fee is $0. In fact, the card promises no fees at all.

The card also earns rewards. It’s an ideal option for starting the clock on your credit history.

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