To get approved for a Petal card, you are required to have a valid email address, a U.S. telephone number, and a Social Security number or Individual Taxpayer Identification Number. Applicants must also be at least 18 years old and a permanent resident of the United States or a U.S. military location. Having limited credit or better and earning enough money to pay your bills is required for approval as well.
Minimum Petal Card Requirements for Approval
18+ years old
U.S. mailing address
SSN or ITIN
At least limited/fair credit
Enough income to pay bills
Low debt compared to income
Valid email address
Valid U.S. telephone number
No bankruptcy in the past 48 months
No open Petal card account
No prior applications for a Petal card
You may be required to provide a U.S. or foreign government-issued photo ID, or to link a U.S. bank account if your credit profile does not provide enough information for Petal to make a decision. If they do ask for your bank account information, Petal will generate a “Cash Score” when they review your banking history. This will help them determine whether you have enough disposable income to pay your credit card bills.
Finally, it’s worth noting that Petal will automatically conduct a soft pull on your credit in the beginning of the application process to see if you could qualify for one of their cards. While pre-approval never guarantees approval, it will bode well for your approval odds.
The Petal® 2 Visa® Credit Card is available to people with limited credit. That means you do not need to have a credit score to get approved for the Petal® 2 Visa® Credit Card.
Having said that, it is also worth mentioning that if you have already established a credit history, you will need at least fair (640+) credit to get this card.… read full answer
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Petal 2 Card Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Petal 2 Card credit score requirement. You can check your credit score for free on WalletHub.
Yes, the Petal card is legit. Both the Petal 1 Card and the Petal 2 Card are legit because they are actual credit cards issued by WebBank, which is an FDIC member that is accredited by the Better Business Bureau and has an A+ BBB rating. This bank is an FDIC member that is accredited by the Better Business Bureau (with an A+ BBB rating).… read full answer
There are plenty of other reasons why the Petal cards are worth considering, too, even if you’ve never heard of them. For example, both Petal credit cards have a $0 annual fee.
Why the Petal Cards Are Legit
Issued by FDIC-member WebBank, which is BBB accredited
Petal 1 Card is rated 4/5 by WalletHub editors
Petal 2 Card is rated 5/5 by WalletHub editors
Both cards report to the three major credit bureaus monthly
3.5 / 5 average user rating on WalletHub for Petal 1 Card
3.5 / 5 average user rating on WalletHub for Petal 2 Card
No annual fee
No foreign transaction fee
$0 fraud liability guarantee
At the end of the day, the Petal credit cards are actually great options for people with fair or limited credit.
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