Petal® Visa® Credit Card

Petal® Visa® Credit Card

Petal® Visa® Credit Card

Petal® Visa® Credit Card

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 14.49% - 25.49%

  • 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


  • Rewards rate


  • Bonus offer


  • Intro APR


  • Ongoing APR

    APR: 14.49% - 25.49% 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

  • 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.