Petal Visa® Credit Card
on Petal's website
Petal Visa® Credit Card
Card details
Recommended credit score
Up to 1.5% cash back after making 12 on-time payments
1% cash back on all purchases - right away
No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
$500 - $10,000 credit limits
No credit history necessary for approval
Build credit by using responsibly.
Petal reports to all 3 major credit bureaus
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.
No deposits required.
Card issued by WebBank, member FDIC.
Rates, fees & offers
Annual fee
$0
Rewards rate
1.00%
Bonus offer
None
Intro APR
N/A
Ongoing APR
APR: 15.24% - 26.24% Variable APR
Foreign transaction fee
None
NerdWallet review
Rating details
4.3
Editor's overall rating
Recommended credit score
Pros and cons
Pros
Qualify with average credit
No annual fee
No foreign transaction fee
Cons
The Petal 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.
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.
Already have this card?
Tell us what you think.
Some of the reviews on the NerdWallet site were purchased through a third party provider. Users who post a review directly on the NerdWallet site will not be compensated in any way. Please see our Terms of Use and Posting Guidelines for more information.