Petal Credit Cards

You can get Petal 2 Card pre-approval online. This way, you can quickly check your odds of approval for certain Petal credit cards before you actually apply for one. Current Petal customers may also receive pre-approved offers periodically by e-mail or through their online account.

In some cases, the issuer mails pre-approved offers to certain people who appear to meet the criteria for the Petal 2 Card.

How to Check for Petal 2 Card Pre-Approval Online

1. Visit the pre-approval page on the Petal website.
2. Enter your email, name, birthday, phone number, and Social Security Number/ Individual Taxpayer Identification Number.
3. Click “Next” to view any pre-approved offers.

What you should know about the Petal 2 Card pre-approval:

• Keep in mind that pre-approval offers indicate good chances of approval, but they do not guarantee it.
• Even if you receive a Petal 2 Card pre-approval offer, you'll still have to apply to get the card.
• If you are pre-approved online, you will see all Petal credit cards that will give you the highest odds of approval, which may or may not include the Petal 2 Card.
• Once you are pre-approved, you can apply for the card of your choice directly from the pre-approval site. To do so, 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 the issuer to flag the application as pre-approved.

Petal 2 Card pre-approval does not affect your credit score, as it results in a soft inquiry. But if you decide to submit an application for the Petal 2 Card, the issuer will conduct a hard inquiry. This will lead to a slight, but temporary decrease in your credit score.

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).

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
• 3.2 / 5 average user rating on WalletHub for Petal 1 Card
• 3.4 / 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.

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.

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.

The only way you can apply for the Petal 2 Card is online. Applications are not accepted by phone or email. The Petal 2 Card is available to legal U.S. residents of the 50 states, Washington, D.C., or U.S. military locations, with a valid SSN or ITIN.

Here's how to apply for the Petal 2 Card:

The first step of the application process is the pre-approval. During this step, only a soft pull is performed, which won't affect your credit score. If you're pre-approved, you'll be invited to submit your full application. At this point, a hard inquiry is completed, which will show up on your credit report.

It is also worth noting that Petal 2 Card accepts people with limited credit (less than 3 years of credit history). If this is not your case, you will need at least fair (640+) credit to get this card.

Ultimately, you can check your credit score for free on WalletHub to see where you stand.

Petal is an unsecured Visa card designed for people who want to build credit at a low cost. When you apply for a Petal credit card, you're automatically considered for the Petal® 2 Visa® Credit Card, which offers rewards on every purchase. If you don't qualify for that version, you'll be considered for the Petal® 1 Visa® Credit Card, which is similar but doesn't offer rewards on all purchases.

Both the Petal 1 Card and the Petal 2 Card are unsecured cards, which means you won't have to place a refundable security deposit to open the account. As such, Petal is an ideal choice for anyone looking for an inexpensive way to establish and build credit.

If you're rebuilding bad credit, however, you should browse our editors' picks for the best secured credit cards instead.