Petal® 2 "Cash Back, No Fees" Visa® Credit Card
on Petal's website
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Card details
No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
Variable APRs range from 15.24%-29.24%.
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
1% cash back on eligible purchases right away.
2% - 10% cash back at select merchants.
$300 - $10,000 credit limits.
No credit score? No problem. If eligible, we'll create your Cash Score instead.
See if you're pre-approved within minutes without impacting your credit score.
Build credit alongside hundreds of thousands of Petal card members.
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: 15.24%-29.24% Variable APR
Foreign transaction fee
None
Recommended credit score
Compare to other cards
Annual fee$0 | Annual fee$0 | Annual fee$0 |
Regular APR15.24%-29.24% Variable APR | Regular APR17.99%-27.99% Variable APR | |
Intro APRN/A | Intro APRN/A | Intro APR10.99% intro APR on Balance Transfers for 6 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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Rating details
4.8
Editor's overall rating
Pros and cons
Pros
No annual fee
Qualify with average credit
No foreign transaction fees
Reports to the three major credit bureaus
Cons
Complicated rewards
No bonus offer
No intro APR offer
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.
