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
APR: 15.24% - 26.24% Variable APR
Foreign transaction fee
Recommended credit score
Not sure which card is best for you?
Editor's overall rating
Pros and cons
Qualify with average credit
No annual fee
No foreign transaction fee
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.