Petal Visa® Credit Card

Petal Visa® Credit Card

on Petal's website

Petal Visa® Credit Card

Petal Visa® Credit Card

Petal Visa® Credit Card

on Petal's website

Card details

  • Up to 1.5% cash back after making 12 on-time monthly payments. 1% cash back on purchases right away

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

  • Build credit alongside tens of thousands of Petal Card members

  • Cash flow technology can 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


  • Rewards rate


  • Bonus offer


  • Intro APR


  • Ongoing APR

    APR: 14.74% - 25.74% Variable APR

  • Foreign transaction fee


Recommended credit score

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NerdWallet review

By Melissa Lambarena

Rating details


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.

    User Reviews

    Rating Details

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