Rated 5/5 stars by our editorial team
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4.5/5.0 from 11 Offer Ratings
Over the Past 60 Days!
Reviews
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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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 14.49% - 25.49% 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 monthly payments. 1% cash back on purchases right away
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology can help applicants without credit history get approved
- $500 - $10,000 credit limits
- 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
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 14.49% - 25.49% 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
4.5/5.0
11 Total Ratings
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+11 users submitted a rating without a full review
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- Rewards Rate 2 Miles per dollar on every purchase, every day
- Extra Perks Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
- Annual Fee $0 intro for first year; $95 after that
- Credit Needed Excellent/Good
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Highlights
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- Credit Needed Excellent/Good
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Highlights
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- Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
- 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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