- $0 Annual Fee
- 2% - 10% cash back from select merchants
- $500 - $5,000 credit limits
- Variable APRs 19.99 - 29.49% APR
- No annual or international transaction fees. Late and returned payment fees may apply
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
4.5 / 5.0 (14 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
19.99% - 29.49%*
APR Type:
Annual Fee:
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Low Interest Rate
No Credit / New to Credit
No Foreign Transaction Fee
Reward Card
Credit Needed:
No Credit*
Grace Period:
21 days*
Min Credit Line:
Max Credit Line:
Late Payment Fee:
See Terms*
Over Limit Fee:

Balance Transfers

Balance Transfer:

Other Fees

Additional Fees
Return Check Fee: up to $29
Late Payment Fee (1st): up to $29
Late Payment Fee (2nd): up to $40


Most attractive:
- High credit line
- Low interest rates
- Credit reporting
- Cash Back rewards
Least attractive:
- No bonus rewards
- No Introductory Interest
- No Balance Transfers
- No cash advances

Rewards & Benefits

Reward Types:
Cash Back Rewards
Other Rewards
Universal Rewards
Reward Unit:
- 2% - 10% cash back from select merchants
Yearly Limit:
Other Benefits:
*See Terms and Conditions of the card for other benefits
Online Access:
Credit Reporting:

*The information provided for Petal® 1 'No Annual Fee' Visa® Credit Card is believed to be accurate at the time of evaluation (Mar 26, 2021). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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