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Petal 1 review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
22.99% ‐ 32.49% (Variable)
Interest Rate: Purchases
22.99% ‐ 32.49% (Variable)
Balance Transfer
Balance Transfer
2% cashback
2% cashback
Signup Bonus
Signup Bonus

Informr score
The Petal 1 currently has an Informr score of 8.2 out of 10. This score is based on our evaluation of 9 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Petal 1 is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


If you are on the search for a credit card but have no credit history or a limited credit history, then a Petal card may be a great way to build credit and have access to a credit line for spending. It is believed by many people that “credit cards hurt your credit score,” but in fact that is incorre...

- Brett Holzhauer, FinanceBuzz

It 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.

- Garrett Yarbrough, Claire Dickey, Bankrate
Money Crashers
Money Crashers

The Petal® 1 “No Annual Fee” Visa® Credit Card is a rarity in the world of entry-level credit cards: a no-annual-fee product that doesn’t require a security deposit and earns cash-back rewards on some transactions. Although it does have some drawbacks, including the potential for a high APR, it’s a...

- Brian Martucci, Money Crashers

Though it offers lackluster rewards, the Petal 1 “No Annual Fee” Visa Credit Card is a solid option for credit-builders looking to minimize costs and get a chance at a higher than average credit limit.

- Nouri Zarrugh,

Is the Petal 1 Visa® Credit Card worth it? If you’re looking for a beginner credit card, definitely. There’s no annual fee and you can get approved even with no credit, so you really don’t have much to lose. And with higher credit limits and more cash back than most unsecured credit cards for poor c...

- Lauren Graves, MoneyUnder30


Interest Rates
Regular APR Interest Rate 22.99% ‐ 32.49% (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


Sign up bonus No
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
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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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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