Petal® Visa® Credit Card
on Petal's website
Petal® Visa® Credit Card
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
Variable APRs 12.99% - 29.49%
1% cash back on eligible purchases right away
Up to 10% cash back from select merchants
Build credit alongside tens of thousands of Petal Card members
Cash flow technology may help applicants without credit history get approved
$500 - $10,000 credit limits
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% - 29.49% Variable APR
Foreign transaction fee
None
Recommended credit score
Compare to other cards
Annual Fee$0 | Annual Fee$0 | Annual Fee$0 |
Regular APR12.99% - 29.49% Variable APR | ||
Intro APRN/A | Intro APR10.99% intro APR on Balance Transfers for 6 months | Intro APR0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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® 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.
