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...
- Rebecca Lake, MyBankTrackerPetal could be a good fit if you have zero credit history and you don't have the cash for a secured credit card deposit. This is also a great card to consider if you're looking for a fee-friendly option.
- Holly D. Johnson, Khara Scheppmann, The BalanceThe Petal Credit Card, which is issued by WebBank, makes it easy for credit newbies to earn rewards without any fees. This card is best for people who want to build credit and learn positive credit habits while earning some cash back along the way.
- Kat Tretina, InvestopediaIf you have a limited credit history or no credit history, the Petal Visa card is an outstanding starter credit card. It requires no security deposit and doesn’t charge fees, and you can earn up to 1.5% cash back on your purchases. There are no fees associated with carrying the card, so the rewards...
- Ben Luthi, MoneyUnder30The Petal® Visa® Credit Card is best if you have a limited or no credit history, are generally fee-averse, and you don’t want to put down the cash deposit required for a secured card.
- Brett Holzhauer, ValuePenguinThe Petal® Visa® Credit Card is a unique cashback credit card that differentiates itself from other credit cards that are currently available. With no fees, and a cash back program that incentivizes consumers to pay their bills on time, it is great for someone building their credit.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 12.99% ‐ 29.49% (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 | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases |
1% cash back 1.25% after 6 on-time payments 1.5% after 12 on-time payments |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | |
| Travel Accident Insurance | No |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | Yes |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | No |
| Additional Benefits |
Roadside Dispatch |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments |
Credit Limit: $500 – $10,000 |
| 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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