Petal 1 vs.
Petal 2

Yes, you can get pre-approved for the Petal® 2 Visa® Credit Card. Petal has an online pre-approval page where you can quickly check your odds of approval for certain Petal cards before you apply for one.

You may also receive pre-approved offers from Petal by e-mail or when logging into your card account. Petal may also mail you pre-approved offers for a specific card.

Getting pre-approved for a Petal 2 Card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.

How to Check for Petal 2 Card Pre-Approval Online

1. Click "See card offers" on the Petal website.
2. Enter your name, email, birthday, phone number, your SSN/ITIN and financial information.
3. Click “Continue” to view any pre-approved offers.

If you are pre-approved online, you will see all Petal cards that will give you the highest odds of approval, which may or may not include Petal 2 Card. Once you are pre-approved, you can apply for the card of your choice directly from the pre-approval site. Simply click the button next to the card you want, and you will be directed to the card's application page.

To respond to a Petal 2 Card pre-approved offer received in the mail, visit the website listed in your pre-approval letter and enter the invitation code included with your offer. This allows Petal to flag the application as pre-approved.

Keep in mind that Petal 2 Card pre-approval does not affect your credit score, as it's done using a soft “pull,” or inquiry. If you decide to apply for Petal 2 Card, Petal will conduct a hard inquiry, which might lead to a slight, but temporary decrease in your credit score.

The Petal® 2 Visa® Credit Card is available to people with limited credit. That means people with little-to-no-credit may have a shot at getting approved for the card. You can check your credit score for free here on WalletHub to get an idea of your current standing.

It's important to note that plenty of other things will impact your chances of being approved for the Petal 2 Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts,...

The only way to apply for the Petal 2 Card is online, and you can get to the online application by clicking the "Learn More" button on WalletHub or by going directly to Petal's website. 

Keep in mind that the Petal 2 Card is available to people with limited credit, which means you need a less than 3 years of credit history+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit...

Yes, you can get pre-approved for the Petal® 1 Visa® Credit Card. Petal has an online pre-approval page where you can quickly check your odds of approval for certain cards before you apply for one.

You may also receive pre-approved offers by email or when logging in to your account if you already have a different account with Petal. Additionally, Petal may mail you pre-approved offers for specific cards.

Getting pre-approved for the Petal 1 Card indicates that your...

Yes, the Petal 2 Card has a grace period of at least 21 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their Petal 2 Card statement balance in full every month, WebBank will not charge any interest.

Keep in mind that you are not required to pay the entire balance by the due date. But if you decide to pay less than the full amount due, you will lose...

You can't pre-qualify for the Petal Cash Back Visa, but you can get pre-approved if they send you a mail offer. A mail offer means that you met the criteria to qualify and it doesn't affect your credit score.

However, to get the Petal card, you'll still need to submit an application. Just go to this page and enter your unique invite code and last name. Your credit score may be affected if you decide...

The Petal® 1 Visa® Credit Card is available to people with limited credit. That means people with little-to-no-credit may have a shot at getting approved for the card. You can check your credit score for free here on WalletHub to get an idea of your current standing.

It's important to note that plenty of other things will impact your chances of being approved for the Petal 1 Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts,...

Yes, the Petal® 2 Visa® Credit Card is a cash back credit card. It gives 1 - 1.5% cash back on purchases, does not have an initial bonus and has a $0 annual fee.

Key Things to Know About the Petal® 2 Visa® Credit Card

• Rewards: 1% cash back on all eligible purchases, up to 1.25% back after 6 months of on-time payments, and 1.5% cash back after 12 consecutive months of paying on time
• Initial bonus: None
• Annual fee: $0
• Regular APR: 28.24% - 30.24% (V)
• Foreign transaction fee: 0%
• Credit required: Limited History
• WalletHub editor's rating: 5/5
• WalletHub user rating...

The minimum requirements for the Petal 2 Card are a credit score of less than 3 years of credit history or higher, a valid Social Security number or International Tax Identification Number and enough income to make monthly minimum payments. Applicants also must be at least 18 years old and have a physical U.S. address.

Minimum Petal 2 Card Requirements

• Enough income to make the monthly minimum payment
• Social Security number or International Tax Identification Number
• 18+ years old with...

There is no disclosed starting credit limit for the Petal 2 Card. For the most part, Petal 2 Card credit limits depend on each applicant's overall creditworthiness. People with the most income and the best credit scores are generally offered the highest starting credit limits.

That said, the Petal 2 Card credit limit that you receive upon approval isn't necessarily your credit line forever. WebBank will also evaluate your account periodically to determine whether you are eligible for a credit...