Petal Card review

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Advertiser Disclosure

Interest Rate: Purchases
12.99% ‐ 23.99% (Variable)
Balance Transfer
1% cashback
Signup Bonus

Informr score
The Petal Card currently has an Informr score of 7.8 out of 10. This score is based on our evaluation of 14 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...


If 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...

- Kat Tretina, Investopedia

The 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.

- Ben Luthi, MoneyUnder30

The 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.

- Brett Holzhauer, ValuePenguin

The Petal Cash Back Visa Card is a no-hassle cashback card with that can provide access to a credit line for those with little or no credit history.

- Brett Holzhauer, FinanceBuzz
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


Interest Rates
Regular APR Interest Rate 12.99% ‐ 23.99% (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 $0.00
Over Limit Fee $0.00
Late Payment Fee $0.00
Sign up bonus No
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

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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