Petal Card review

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Advertiser Disclosure

Interest Rate: Purchases
14.49% ‐ 25.49% (Variable)
Balance Transfer
-
Rewards
1% cashback
Signup Bonus
-


7.9/10
Informr score
The Petal Card currently has an Informr score of 7.9 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 Card is typically available to those with poor 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...


The Balance

The 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.

- Holly Johnson, The Balance
CreditCards.com

The Petal Visa card offers a low entry barrier and the opportunity to earn cash back and avoid fees while building or rebuilding your credit history; however, you could face a high APR if you don’t pay off your balance in full by the due date each month.

- Nouri Zarrugh, CreditCards.com
Credit Fast

Since the Petal card application offers a pre-approval screening, you can see if you qualify without hurting your credit. As long as you use it responsibly, you can build your credit. If you’re in the market for a simple card with flat-rate rewards, we encourage you to check out the Petal Visa.

- Monica Kowollik, Credit Fast
Finder

The Petal Visa Credit Card has no associated fees and can help you learn to use credit responsibly. It’s a good choice if you don’t have a credit score but feel like you’re a responsible borrower.

- Finder
MyBankTracker

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.

- Rebecca Lake, MyBankTracker

Details


Interest Rates
Regular APR Interest Rate 14.49% ‐ 25.49% (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
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
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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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Critic Reviews


The Balance

A smart option for anyone who is ready to build credit

from The Balance

The 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.

Read full review

The 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.

Read full review

Less

CreditCards.com

A unique cash back reward structure

from CreditCards.com

The Petal Visa card offers a low entry barrier and the opportunity to earn cash back and avoid fees while building or rebuilding your credit history; however, you could face a high APR if you don’t pay off your balance in full by the due date each month.

Read full review

The Petal Visa card offers a low entry barrier and the opportunity to earn cash back and avoid fees while building or rebuilding your credit history; however, you could face a high APR if you don’t pay off your balance in full by the due date each month.

Read full review

Less

Credit Fast

A solid choice for rebuilding your credit

from Credit Fast

Since the Petal card application offers a pre-approval screening, you can see if you qualify without hurting your credit. As long as you use it responsibly, you can build your credit. If you’re in the market for a simple card with flat-rate rewards, we encourage you to check out the Petal Visa.

Read full review

Since the Petal card application offers a pre-approval screening, you can see if you qualify without hurting your credit. As long as you use it responsibly, you can build your credit. If you’re in the market for a simple card with flat-rate rewards, we encourage you to check out the Petal Visa.

Read full review

Less

Finder

Absolutely no fees associated

The Petal Visa Credit Card has no associated fees and can help you learn to use credit responsibly. It’s a good choice if you don’t have a credit score but feel like you’re a responsible borrower.

Read full review

The Petal Visa Credit Card has no associated fees and can help you learn to use credit responsibly. It’s a good choice if you don’t have a credit score but feel like you’re a responsible borrower.

Read full review

Less

MyBankTracker

A simple, no-fee card

from MyBankTracker

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.

Read full review

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.

Read full review

Less

MagnifyMoney

Stands as a solid alternative to both secured and unsecured cards

from MagnifyMoney

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.

Read full review

Less

Credit Karma

A no-frills credit card that looks at you, not your credit scores

from Credit Karma

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.

Read full review

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.

Read full review

Less

HighYa

An anomaly in the credit card world

from HighYa

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.

Read full review

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.

Read full review

Less

NerdWallet

A nontraditional card option for building credit

from NerdWallet

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.

Read full review

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.

Read full review

Less

Doctor Of Credit

For people without a credit score

from Doctor Of Credit

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.

Read full review

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.

Read full review

Less

User Reviews


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