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4.4/5.0 from 28 Offer Ratings
Over the Past 60 Days!
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CompareCards was one of three sites that met all the criteria.
Trusted & Secure
-
Empowering over
50,000,000 card holders Since 2005 -
Petal Visa® Credit Card
- Regular Purchase APR 15.24% - 26.24% Variable
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $0
-
Credit Needed
New credit/Fair/Good/Excellent
- Card Brand Visa®
Card Details
Highlights
- Click "APPLY NOW" to apply online
- Up to 1.5% cash back after making 12 on-time payments
- 1% cash back on all purchases - right away
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
- $500 - $10,000 credit limits
- No credit history necessary for approval
- Build credit by using responsibly.
- Petal reports to all 3 major credit bureaus
- 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.
- No deposits required.
- Card issued by WebBank, member FDIC.
Card Fees
Foreign Transaction Fee None
Cash Advance Fee N/A
Ongoing Information
Rewards Rate Up to 1.5% cash back after making 12 on-time payments, 1% cash back on all purchases - right away
Annual Fee $0
Additional Card Details
$0 Fraud Liability Yes
Auto Rental Insurance Yes
Extended Warranty Program No
Roadside Assistance Yes
Purchase Protection Yes
Travel Assistance No
Flight Accident Insurance No
Lost Luggage Reimbursement No
Concierge Service No
Expert Reviews
From the CompareCards.com Editorial Team
The Petal Visa® Credit Card is an exciting new offer built specifically for people with no credit history or limited credit. Typically, consumers with no credit history or a thin credit file have had to resort to secured credit cards as their first card to begin building credit. The downside of secured cards is that you have to tie up a few hundred dollars with a security deposit up front to get approved. But the Petal is changing that by making this standard, unsecured Petal Visa® Credit Card available to anyone with no credit or limited credit, as well as consumers with Fair, Good or Excellent credit.
This card also stands out because of it's lack of fees. It's not uncommon for cards available to new credit users to come packed with all kinds of fees and extra charges, but the Petal Visa® Credit Card has no fees of any kind. There is no annual fee, no late fee, and no foreign transaction fee. In addition, credit limits for the Petal Visa® Credit Card are a good bit higher than the average cards in this space – cardholders can get approved for as much as $10,000.
At 15.24% - 26.24% Variable APR, the interest rate is a bit high, but still considerably better than most other cards that are available to consumers with no credit history. A few of the extra perks include the ability to see if you're pre-approved with no impact to your credit score and easy account management via Petal's mobile app.
Expert Reviews of the Petal Visa® Credit Card
- 4.0
Regular APR
- 0.0
Intro APR
- 5.0
Fees
- 4.0
Benefits
5.0/5 Overall Rating
The Bottom Line
If you're looking for a simple card to help you build credit, the Petal Visa® Credit Card is an excellent option. It's simple, straightforward, and a great option for anyone looking to boost their credit score.
The Good
Knowing you won't be blindsided by hidden fees is an excellent perk for anyone that is looking for their first credit card. Also, since this card has no foreign transaction fees and is a Visa card, you'll be able to use it seamlessly overseas with no extra charges.
The Not so Good
There's is limited rewards program with this card, but that's typical for a card available to consumers with no credit or limited credit.
Editorial Note: This content is not provided by Petal. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Petal.
Consumer Reviews
Offer Rating
4.4/5.0
28 Total Ratings
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+28 users submitted a rating without a full review
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- Rewards Rate 2 Miles per dollar on every purchase, every day
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Highlights
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- Annual Fee $0
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Highlights
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- Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
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- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
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See additional details for Discover it® Miles
- Rewards Rate Earn unlimited 1.5 points per $1 spent on all purchases
- Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
- Regular APR 17.24% - 25.24% Variable APR on purchases and balance transfers
- Annual Fee $0
- Credit Needed Excellent/Good
- Card Brand Visa®
Highlights
- Click "APPLY NOW" to apply online or call 800-775-8735
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
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- Comes with chip technology for enhanced security and protection at chip-enabled terminals
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See additional details for Bank of America® Travel Rewards credit card
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