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...
- Holly Johnson, 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.
- Nouri Zarrugh, CreditCards.comThe 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.
- Monica Kowollik, Credit FastSince 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.
- FinderThe 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.
- 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.
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 |
| 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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Critic Reviews
A smart option for anyone who is ready to build credit
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.
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.
A unique cash back reward structure
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.
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.
A solid choice for rebuilding your credit
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.
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.
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.
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.
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.
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.