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Petal 2 review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
17.49% ‐ 31.49% (Variable)
Interest Rate: Purchases
17.49% ‐ 31.49% (Variable)
Balance Transfer
Balance Transfer
1% cashback
1% cashback
Signup Bonus
Signup Bonus

Informr score
The Petal 2 currently has an Informr score of 9.1 out of 10. This score is based on our evaluation of 10 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Petal 2 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...


Despite the Petal 2’s limited cardholder benefits, it stands out as an excellent tool for credit builders. With no annual fee and a solid cash back rate, this starter card has a lot to offer cardholders.

- Garrett Yarbrough, Bankrate

The Petal 2 Visa® Credit Card is best for people with average credit. Cardholders enjoy plenty of opportunities to earn cash back, don’t pay anything in annual fees or account fees, and can borrow up to $10,000 at roughly average interest rates if they carry a balance. You might want to apply for th...

- Lauren Graves, MoneyUnder30

The Petal® 2 "Cash Back, No Fees" Visa® Credit Card is a good card for anyone with a limited credit history. While it doesn't come with some of the bells and whistles offered by other rewards cards, it has a solid cash back offer. Plus, it's hard to argue with any card that isn't going to charge you...

- Jennifer Doss,

The Petal 2 Visa credit card is an excellent option for those in the market for a first credit card. Its budgeting and credit monitoring features are also well designed for those who need to keep close track of their credit score and are trying to improve this important financial metric.

- Thomas Streissguth, GOBankingRates

The Petal® 2 "Cash Back, No Fees" Visa® Credit Card is the rare card that offers a rewards program to people with a lower credit score, providing an opportunity to earn cash back while you build your credit -- even if you have a limited credit history. Also unusual: it requires no security deposit,...

- Jaclyn DeJohn, Cnet


Interest Rates
Regular APR Interest Rate 17.49% ‐ 31.49% (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 $0.00
Sign up bonus No
All Purchases 1% cash back
  • Earn up to 1.5% when you pay on time
  • Plus 2% - 10% bonus cash back at 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
Additional Benefits
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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