Petal 1 "No Annual Fee" Visa® Credit Card

Petal is an Experian Partner

Petal 1 "No Annual Fee" Visa® Credit Card Apply Now Apply Now Apply Now
  • Rewards

  • No Annual Fee

Recommended FICO® ScoreΘ Rating

Poor - Very Good, New to Credit, Rebuilding

Get your FICO Score for free
  • Rewards

    Rewards, Cash back

  • Annual fee

    $0

  • Intro APR

    N/A*

  • Ongoing APR

    19.99% - 29.49% Variable

  • Balance transfer

    N/A*

Card details:
  • Petal 1 was designed for consumers who already have a credit history, and want to improve their credit safely, responsibly, and affordably with no annual fees
  • No Annual fee. No international fees. (Late and bounced payment fees apply.)
  • $500 - $5,000 credit limits
  • Variable APRs 19.99% - 29.49%
  • Up to 10% cash back from select merchants
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • 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
Rates and fees
Pros:
  • Does not charge an annual fee
  • Could be available to applicants with poor credit scores or limited credit history
  • Minimum credit limit is higher than many competing cards
  • No security deposit necessary
Cons:
  • Rewards only at select merchants
  • Possibility of a high APR
  • Charges a late fee and bounced payment fee

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

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