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Petal Visa® Credit Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.6/5.0 from 14 Offer Ratings
Over the Past 60 Days!

(14) Over the Past 60 Days!

  • Regular Purchase APR 14.74% - 25.74% 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 14.74% - 25.74% 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

  • star rating 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

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Offer Rating

4.6/5.0

14 Total Ratings

5 Star
 
 
(9)
4 Star
 
 
(4)
3 Star
 
 
(1)
2 Star
 
 
(0)
1 Star
 
 
(0)

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