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Petal 2 review

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Advertiser Disclosure

Interest Rate: Purchases
12.99% ‐ 26.99% (Variable)
Balance Transfer
1% cashback
Signup Bonus

Informr score
The Petal 2 currently has an Informr score of 9.5 out of 10. This score is based on our evaluation of 4 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...

Credit Card Insider

If you have limited credit, the Petal® 2 Cash Back, No Fees Visa® Card would be a great choice. It’ll encourage responsible habits that can help you qualify for more advanced credit cards, and earn rewards along the way. You’ll get a pretty high reward rate for a card like this, especially once you...

- Evan Zimmer, Credit Card Insider

The Petal 2 Visa Credit Card is an excellent choice for anyone with little to no credit history. You can increase your credit score through regular reporting to the credit bureaus while earning rewards on your spending. Plus, there’s no annual fee and you can manage your card use and budget through...

- Holly Johnson, NextAdvisor

The Petal 2 offers a low entry barrier and the opportunity to earn cash back and avoid fees while building your credit, but you could face a high APR.

- Nouri Zarrugh,

A great choice if you're just starting out with credit. You'll get simplicity and transparency: no deposit requirement, no fees, a decent travel companion and possibly a higher credit limit than you'll find elsewhere in its category. Plus, you’ll be incentivized to pay your bill on time to earn rewa...

- Melissa Lambarena, Chanelle Bessette, NerdWallet


Interest Rates
Regular APR Interest Rate 12.99% ‐ 26.99% (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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