Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Bob Haegele, TimeThe is a $0-annual-fee card with no minimum security deposit and occasional cash-back rewards. You can apply for it with only a Fair, Limited History, No History, Limited, No Credit credit score or with no credit score at all. Still, the APR is high, and you may be able to earn better rewards with o...
- Robin Saks Frankel, ForbesFor those whose credit score is muddied by missteps, the Petal® 1 “No Annual Fee” Visa® Credit Card* (issued by WebBank) may be a good option. It’s one of a tiny batch of credit cards aimed at those without great credit that don’t require an upfront security deposit. But if your credit is better tha...
- Garrett Yarbrough, BankrateIt can be tough figuring out where to start on a credit-building journey, especially for people with limited credit history. If you’re not a student, but ready for an unsecured card, the Petal 1 is a low-cost, low-risk option.
- Lyle Daly, The AscentThe combination of cutting fees competitors charge, along with the opportunity to earn rewards, makes this a worthwhile card to consider when working on your credit.
- Holly Johnson, CnetIf you have limited credit or fair credit and you’re hoping to improve it with an unsecured credit card, the Petal 1 “No Annual Fee” Credit Card could be the right fit. It has less-strict approval requirements than other cards, and you may be able to increase your approval odds by linking a bank acc...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 25.24% ‐ 34.74% (Variable) |
| Balance Transfer Interest Rate |
Balance Transfers Not Allowed |
| Cash Advance Interest Rate |
Cash Advances Not Allowed |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee | |
| Cash Advance Fee | |
| Foreign Transaction Fee | 0% |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$40.00 Maximum |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases |
2% cash back Up to 10% cash back from select merchants |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | No |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | No |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | No |
| Free Credit Scores | Yes |
| Wireless Payments | No |
| Virtual Cards | No |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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