The Petal® 1 Rise Visa® Credit Card is the easiest Petal credit card to get, and it’s worth considering if you have limited credit history, despite its $59 annual fee. The Petal® 1 Rise Visa® Credit Card is unsecured, so you don’t have to place a deposit, and you can earn cash back on certain purchases while improving your credit score.

Petal 1 Rise Card gives 2% - 10% back with select merchants and reports monthly to all three major credit bureaus. As long as you pay your bill by the due date each month and avoid maxing out your spending limit, your credit should improve with the help of this card.

Below, you can find more information to help you decide whether or not to apply for the Petal® 1 Rise Visa® Credit Card.

Petal® 1 Rise Visa® Credit Card Review Highlights

2% - 10% cash back at select merchants
This range of rewards rates is eye-catching, but it’s also not as good as you might think. Unlike most other credit cards with rewards, which give you a certain amount of points, miles or cash back for every $1 in purchases that you charge to the card, Petal 1 Rise Card only rewards you for making eligible purchases with select merchants. The eligible merchants may include national and local retailers, and they change over time. You may only get a couple offers per year, too.

If you want to earn rewards, you’re better off with a card that gives you 1% - 2% back on every purchase.

$59 annual fee
The Petal® 1 Rise Visa® Credit Card is far more expensive than the average credit card offer, which charges an annual fee of $25.22. Other credit cards with similarly high annual fees typically give you more consistent rewards or accept people with bad credit.


28.99% - 33.99% (V) APR
If you don’t pay the full balance due each month and you end up carrying a balance from month to month, you will rack up interest charges at a high rate. The APR you’re assigned could be anywhere from 28.99% to 33.99% (V), depending on your overall creditworthiness when you apply.

For context, the average APR among new credit card offers is currently 22.73%. That also is too expensive to pay if you can help it.

3-bureau credit reporting
Perhaps most importantly, the Petal® 1 Rise Visa® Credit Card will help you build a solid credit history if you use it responsibly. That’s because account information gets relayed to the three major credit bureaus each month, which in turn fills up your credit reports. Your credit score is calculated based on the contents of your credit reports.

You can get daily updates to both your credit report and your credit score for free on WalletHub.