A Petal card is an actual credit card issued by WebBank that reports account activity to the major credit bureaus, so it can help you build credit. The Petal 1 Rise Card, the Petal 1 Card, and the Petal 2 Card are all unsecured credit cards, and they are available to people with less than 3 years of credit history.

Petal Credit Card Highlights

Minimum Credit Required: Limited History

Annual Fee: $59

Rewards: 2% - 10% cash back at select merchants

Regular APR: 28.99% - 33.99% (V)

Network: Visa

Minimum Credit Required: Limited History

Annual Fee: $0

Rewards: 2% - 10% cash back at select merchants

Regular APR: 28.99% - 33.99% (V)

Network: Visa

Minimum Credit Required: less than 3 years of credit history

Annual Fee: $0

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 (2% - 10% cash back at select merchants)

Regular APR: 28.99% - 30.99% (V)

Network: Visa

Note that there's only one application for all three Petal credit cards, and if you qualify, you'll receive the best offer based on your creditworthiness. To see where you stand before you apply, sign up for a free WalletHub account and get daily credit score updates. You'll also get personalized tips on how to build credit with WalletHub's free credit analysis.

The Petal 2 Card credit limit depends on credit score and income, the higher these are, higher the starting credit limit is likely to be.

The Petal 2 Card credit limit that you start with isn't necessarily your credit line forever. WebBank will evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with WebBank.

Yes, the Petal 2 Card does have pre-approval. Petal has an online pre-approval page where potential applicants can quickly check their odds of approval for certain Petal credit cards before they apply for one.

Current Petal customers may also receive pre-approved offers periodically by e-mail. And in some cases, Petal will mail people pre-approved offers for a specific credit card.

Getting pre-approved for a Petal 2 Card indicates that your chances of being approved for an account...

The Petal 2 Card is issued by WebBank, an FDIC-insured bank headquartered in Salt Lake City, Utah. In addition to the Petal 2 Card, WebBank issues the Petal® 1 Visa® Credit Card and other co-branded credit card accounts.

The Petal 2 Card is a good starter card, meant for people with limited credit. It has a $0 annual fee and it reports monthly to the three major credit bureaus.

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.

Note that  there are plenty of other things that will impact your chances of being approved for the Petal 2 Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status. You can check your credit score for free on WalletHub.

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 WebBank's website. 

Keep in mind that the Petal 2 Card requires 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 score. So, it's...

Petal cards are legitimate credit cards issued by WebBank, on the Visa network. You can use Petal credit cards anywhere that accepts Visa payments, and they can help you build your credit score, just like any other major credit card.

Why the Petal Cards Are Legit

• Issued by FDIC-member WebBank, which is BBB accredited
• Accepted in more than 200 countries and territories
• Petal 1 Card is rated 3/5 by WalletHub editors
• Petal 2 Card is...

Yes, Petal is a good option for building credit. Both Petal cards are good to build credit with because they are easy to get approved for with limited credit and they report to the major credit bureaus monthly. As long as the information reported to the bureaus is positive, it will help you build credit.

How Petal Helps You Build Credit

1. Provides access to credit despite limited credit history. The Petal 2 Card and Petal 1 Card...

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...