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.
- Alexandria White, MagnifyMoneyThe Petal Credit Card is a great no-fee card for people with less than stellar credit and it can help you save money on fees compared to other cards. When used responsibly, you can use this card to establish credit or rebuild a poor credit score. This card is especially helpful for people who use th...
- FinderThe Petal card doesn’t offer rewards for spending, but you won’t pay any fees for the life of the card. It’s a good choice if you don’t have a credit score yet but think you’ve been a responsible borrower.
- Brian Spychalski, Credit KarmaWhen you need a credit card and want to avoid any pesky fees, the Petal card could most certainly fill the bill. If you don’t have credit scores and want to build your credit history from scratch, this may be the right card for you.
- J.R. Duren, HighYaIf you’ve got no credit history or you’ve got low credit scores that keep you from getting credit cards with good terms, we believe that the Petal Visa could be a good fit for you. You don’t have to make a deposit, there are no fees and the card functions just like a normal credit card.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 15.24% ‐ 26.24% |
| 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 | No |
| 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 |
| 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 |
| Suggest a correction |
Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.
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.
The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.
Use this card?
Help inform others by sharing your experience with Petal Card
Rate It:
Critic Reviews
A simple, no-fee card
Petal 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.
Petal 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.
Stands as a solid alternative to both secured and unsecured cards
The Petal Credit Card is a great no-fee card for people with less than stellar credit and it can help you save money on fees compared to other cards. When used responsibly, you can use this card to establish credit or rebuild a poor credit score. This card is especially helpful for people who use...More
The Petal Credit Card is a great no-fee card for people with less than stellar credit and it can help you save money on fees compared to other cards. When used responsibly, you can use this card to establish credit or rebuild a poor credit score. This card is especially helpful for people who use their card outside the U.S. or are prone to missing payments since you won’t incur any fees on those actions, compared to other cards that typically charge fees.
Charges no fees, and it requires no minimum credit score
The Petal card doesn’t offer rewards for spending, but you won’t pay any fees for the life of the card. It’s a good choice if you don’t have a credit score yet but think you’ve been a responsible borrower.
The Petal card doesn’t offer rewards for spending, but you won’t pay any fees for the life of the card. It’s a good choice if you don’t have a credit score yet but think you’ve been a responsible borrower.
A no-frills credit card that looks at you, not your credit scores
When you need a credit card and want to avoid any pesky fees, the Petal card could most certainly fill the bill. If you don’t have credit scores and want to build your credit history from scratch, this may be the right card for you.
When you need a credit card and want to avoid any pesky fees, the Petal card could most certainly fill the bill. If you don’t have credit scores and want to build your credit history from scratch, this may be the right card for you.
An anomaly in the credit card world
If you’ve got no credit history or you’ve got low credit scores that keep you from getting credit cards with good terms, we believe that the Petal Visa could be a good fit for you. You don’t have to make a deposit, there are no fees and the card functions just like a normal credit card.
If you’ve got no credit history or you’ve got low credit scores that keep you from getting credit cards with good terms, we believe that the Petal Visa could be a good fit for you. You don’t have to make a deposit, there are no fees and the card functions just like a normal credit card.
A nontraditional card option for building credit
If you lack a credit history and want to build one without putting down a security deposit, Petal could be a good option — assuming, of course, that you can score an invite. The Petal Visa can also help you avoid complicated and potentially costly fees, as long as you pay your balance in full each month.
If you lack a credit history and want to build one without putting down a security deposit, Petal could be a good option — assuming, of course, that you can score an invite. The Petal Visa can also help you avoid complicated and potentially costly fees, as long as you pay your balance in full each month.
For people without a credit score
I can see some limited use for petal for people with poor/no credit history. The downside to this card is that there is no rewards program or sign up bonus. I think this is less of an issue for people with poor/no credit history but there are cards that do have a rewards program and no/low fees.
I can see some limited use for petal for people with poor/no credit history. The downside to this card is that there is no rewards program or sign up bonus. I think this is less of an issue for people with poor/no credit history but there are cards that do have a rewards program and no/low fees.