Accepted Credit Scores 
Excellent Credit, Good Credit, Fair Credit, Limited History
Petal® Visa® Credit Card
Editor’s Take
John Kiernan, Credit Card Editor
Aug 5, 2020
Review: Petal® Visa® Credit Card
The Petal® Visa® Credit Card is one of the best starter credit cards available to people with limited or no credit history. With $0 fees across the board, rewards equal to 1 - 1.5% Cash Back on all purchases, and monthly credit-bureau reporting, the Petal Card has all the ingredients needed to grow a good credit score and take a newcomer’s finances from seed to sprout to full bloom.
Getting approved for the Petal Card shouldn’t be too difficult, even for young people with limited or no credit experience. The card’s main requirements are that an applicant must be at least 18 years old and a legal U.S. resident with a Social Security number or Individual Taxpayer Identification Number and enough income or assets to afford monthly bill payments, in light of existing financial obligations.
The key to making the Petal Card pay off is to pay the full statement balance owed by each due date. On-time payments will make the card more rewarding over time. And by paying in full, you can avoid the card’s potentially high interest rate.
If you’re not sure whether applying for the Petal Card is the right move for you, we’ll explain the most important considerations in more detail below.
Petal Card Review Highlights:
For context, the average cash rewards card gives 1% back on all purchases. That’s market-wide, too, not just among credit cards for people with no credit. In fact, most credit cards for no credit can’t compete with Petal when it comes to rewards.
Still, the fact that the Petal Card’s limits do skew higher than normal for a no-credit credit card could benefit your credit score. Assuming your spending stays the same, a higher limit would result in lower credit utilization.
Getting approved for the Petal Card shouldn’t be too difficult, even for young people with limited or no credit experience. The card’s main requirements are that an applicant must be at least 18 years old and a legal U.S. resident with a Social Security number or Individual Taxpayer Identification Number and enough income or assets to afford monthly bill payments, in light of existing financial obligations.
The key to making the Petal Card pay off is to pay the full statement balance owed by each due date. On-time payments will make the card more rewarding over time. And by paying in full, you can avoid the card’s potentially high interest rate.
If you’re not sure whether applying for the Petal Card is the right move for you, we’ll explain the most important considerations in more detail below.
Petal Card Review Highlights:
- Annual Fee: $0
- Rewards Rates: 1 - 1.5% Cash Back
For context, the average cash rewards card gives 1% back on all purchases. That’s market-wide, too, not just among credit cards for people with no credit. In fact, most credit cards for no credit can’t compete with Petal when it comes to rewards.
- Credit Limits: $500 - $10,000
Still, the fact that the Petal Card’s limits do skew higher than normal for a no-credit credit card could benefit your credit score. Assuming your spending stays the same, a higher limit would result in lower credit utilization.
- Initial Bonus: None
- APR: 12.99% - 29.49% (V)
- Foreign Fee: 0%
- Credit-Bureau Reporting: 3 bureaus, monthly
- Card Issuer: WebBank
- Card Network: Visa
- Reviews: 4.0 from 60+ WalletHub user ratings
Aug 5, 2020
Petal® Visa® Credit Card's Rewards
- Up to 1.5% cash back after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- Up to 10% cash back from select merchants
Petal® Visa® Credit Card's Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| Not Offered | Balance Transfers Not Allowed | 12.99% - 29.49% (V) |
|
Purchase Intro APR
|
Not Offered |
|---|---|
|
Transfer Intro APR
|
Balance Transfers Not Allowed |
|
Regular APR
|
12.99% - 29.49% (V) |
| ANNUAL FEE |
$0 |
|---|
Petal® Visa® Credit Card's Additional Info
| MAX LATE FEE |
None |
|---|---|
| MAX OVERLIMIT FEE |
None |
| MAX PENALTY APR |
None |
| GRACE PERIOD |
21 days |
| ONLINE RESPONSE |
Yes |
| CASH ADVANCE APR |
None |
| CASH ADVANCE FEE |
None |
| FOREIGN TRANSACTION FEE |
0% |
| SMART CHIP |
Yes, unknown |
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
- Variable APRs 12.99% - 29.49%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- $500 - $10,000 credit limits
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
at WebBank's secure site
Editor's Pick
Petal® Visa® Credit Card is an Editor's Pick for:
Related Credit Cards
If you are interested in the Petal® Visa® Credit Card, check out the following credit cards as well:
Related Credit Card Categories
Petal® Visa® Credit Card is related to the following categories:
Customer Questions and Answers
Don't see what you're looking for? Submit your question about Petal® Visa® Credit Card to our community.
What's the Petal Cash Back Visa credit score requirement? Reply 167
Alex Wise
@Alex_Wise
The Petal Cash Back Visa was designed for people who are new to credit. If you have no credit history or have less than 3 years of credit history with no missed payments, your approval odds are good. On the other hand, if you established a credit history but your credit score is low, this is not the card for you. They tend to reject applicants with a history of missed payments or bankruptcies.
When you fill out an application, Petal requires the typical personal and financial information, but it has an additional step requiring you to link active bank and credit card accounts. This is done by logging into your bank account via the application. Once linked, Petal analyzes your financial record to determine your eligibility. That all happens without impacting your credit score, via their credit algorithms.
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.
16
Upvotes
How do I apply for the Petal Credit Card? Reply 128
Robert Stark
@robert.stark
You can submit a Petal Credit Card application by visiting their website. Applications are not accepted by phone or email. Petal cards are available to legal U.S. residents of the 50 states with a valid SSN or ITIN.
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.
12
Upvotes
What credit bureau does the Petal Credit Card use for approval? Reply 103
Josh Reeves
@josh_reeves
The issuer will most likely use your Experian credit report when you submit a Petal Credit Card application.
10
Upvotes
What's the Petal Visa Credit Card age requirement? Reply 105
Denny Pratt
@denny_pratt
You must be at least 18 to apply for the Petal Visa Credit Card.
10
Upvotes
How can I pre-qualify for the Petal Cash Back Visa? Reply 83
Debbie Fischer
@globetrotter4li
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 to submit an application, at which point they'll perform a hard inquiry on your credit report.
8
Upvotes
What's the starting Petal Cash Back Visa card credit limit? Reply 83
ROBERT SAMBRICK
@robsam
Your Petal credit card credit limit can be anywhere from $500 to $10,000. There are many factors that help them determine individual limits, such as ability to pay, previous credit limits, and credit history.
8
Upvotes
Can I use my Petal Cash Back card anywhere? Reply 75
Frieda Reiss
@freiss
You can use the Petal credit card anywhere Visa credit cards are accepted, and that's pretty much anywhere in the U.S. and in the world.
7
Upvotes
How can I pay bills with my Petal Credit Card? Reply 6
Travis Herrera
@t_herrera
You can pay your bills with the Petal credit card. Paying bills with a credit card works like making regular purchases in most if not all cases. However, if you use your credit card to pay bills you can't afford, you could end up paying a lot in interest.
6
Upvotes
How can I apply for the Petal Credit Card with a tax ID? Reply 5
Miranda Watson
@dark_nebula_024
You can apply for the Petal credit card with your Taxpayer Identification Number in their application form.
In addition to that, you will need your full legal name, birthday, and mailing address, your email address and phone number, and your estimated annual income and monthly housing payment.
5
Upvotes
How can I get Petal Credit Card pre-approval? Reply 4
Danny Morales
@danny_morales
You can check for Petal Credit Card pre-approval without impacting your credit score by filling out this online pre-approval form. Just verify your phone number, email address and a few other personal details, and you’ll know if you’re pre-approved in moments.
To be eligible for Petal Credit Card pre-approval, you must:
- Have a valid Social Security Number or Individual Taxpayer Identification Number
- Have a valid U.S. telephone number and street address (not a P.O. box)
- Have a valid email address
- Be 18 or older (19 or older if you reside in Alabama or Nebraska)
- Permanently live in one of the 50 United States, Washington, D.C., or a U.S. military location
If you are pre-approved for the Petal Credit Card, your odds of getting approved for the card are about 90%, should you decide to officially apply. While these are high approval odds, pre-approval doesn’t guarantee approval. It only suggests that applying for a Petal Credit Card is a moderately safe bet.
4
Upvotes
Petal® Visa® Credit Card Reviews
Share your insights and review the Petal® Visa® Credit Card.
May 01, 2020
Sure sounds nice, I would love a chance to own one of these cards.
Looks like a good card to build up some credit with. The best parts Are having no fees for anything. So go ahead and send an offer my way
Looks like a good card to build up some credit with. The best parts Are having no fees for anything. So go ahead and send an offer my way
Comment
Apr 29, 2020
This is a very bad high interest card. They also expect you to pay regardless if your state is shut down and you are out of work due to the Coronavirus. Keep this in mind. It’s sad this company is so unforgiving in a pandemic and stressful times.
Apr 22, 2020
Petal lowered my credit limit saying it was due to a drop in my credit score which is not true I have never missed a payment and to make it more insulting they actually owe me $18.00 dollars this will lower my credit score and after reading some of the reviews I find that I’m not the only one this has happened to!! I would think twice before opening a account with this company! I always pay my credit cards off each month to avoid interest but I will never use this cad again… show more
Apr 21, 2020
Absolutely horrible. They will give you a good credit limit to start out and then after a few months, I wanna say 6-8 months they will decrease your limit and fuck your whole credit up! Absolutely horrible waist of time and the worst credit card ever! They will literally turn your credit upside down! Do NOT do buy into it. Oh and did I mention that they make their money on the interest! Which is really high!!! Ya think twice about before it ruins everything you’ve worked for!… show more
Apr 01, 2020
I stopped using this card in September because I had switched to the Apple Card. In October, there were several fraudulent charges that appeared on my account and I immediately contacted Petal the same day to dispute these charges. Petal explained to me that I would not be liable for these charges while the case was in dispute and that someone would get in touch with me after the dispute was over. It is now 5 MONTHS later after I disputed these charges and I did not win the dispute and I am now being held liable and accountable for these charges that I did not make. I naturally decided to appeal the dispute with my time sheets from both jobs that I have as well as pictures of the physical card in my possession and my bank/credit card statements showing that I was not at the place these fraudulent charges took place when they took place. Petal AGAIN denied my appeal and I am now being forced to work with the CFPB in response. I can provide any information that they need showing that I have had this card in my possession and that I was not the person that made these transactions.… show more
Mar 31, 2020
Pedal is the easiest Credit Card to use anytime I need it,compared to Capital One and Discover,Pedal is GREAT- try it!! you will pedal to the store or pay bills!!
Thank You,
Steven Nordgren / Seattle Washington
Thank You,
Steven Nordgren / Seattle Washington
Mar 23, 2020
Excellent card with no fees, was fast approval, the few times I've needed to call in for Apple Wallet, they were good to work with. No issues or regrets at all.
Mar 17, 2020
I was turned down even though I make high income, have no late payments, no collections, good credit, and qualified for a no-fee cash rewards VISA from a respected bank. So I now have to change my bank password because Petal "required access" to it for the application.
Feb 29, 2020
Great card !! When you get a chance apply for this card
It’s hassle free and helps with cash back and monitor your credit score to keep you up to date and ahead !
It’s hassle free and helps with cash back and monitor your credit score to keep you up to date and ahead !
Feb 20, 2020
Not a perfect card as I haven't even seen a balance over one hundred dollars in the last number of months and from now on I will always pay the total balance after the closing statement so my credit usage stays below 8% on all cards I currently own improving my credit score slowly but always higher to where it was before money difficulties at 811. I
My goal is to reach this within 18 months.
My goal is to reach this within 18 months.
Feb 19, 2020
No fees and a half way decent APR for people who are interested in rebuilding their credit after clearing up old and negative info.
Feb 16, 2020
I enjoy this card. Great customer support. It is targeted toward newer credit or low scores but would benefit anyone. Great interest rate and CL with above average scores.
Jan 20, 2020
I have had 0 problems from Petal. High limit and was approved instantly. Good card to have. Apr is low at 13.99% and no late fees.
Jan 19, 2020
I didn't even finish applying. No credit card company has ever needed my banking information to pre-approve me. I'm not giving that out to strangers. Bad enough they got my SS and other personal details.
Dec 10, 2019
Verified Customer
What is going on with the application process?!?! keeps giving me an error message.I read the FAQ on the website.I have never applied for this card before and everytime I go to submit my application I keep getting the following message: "Uh oh! Looks like there’s an issue with your application. Please click here to see why this is happening."Anybody else having this problem?
12/29/19
i've heard that if you applied in the past the application process won't let you complete another application. They've been working on fixing this for many months now, but i'm not sure when that'll be fixed.
12/26/19
Contact support if you are having issues with the preapproval application. They may be able to help while the application is still there.
Nov 27, 2019
Good card, I use it for gas and things like Netflix subscriptions. It also raises your cash back on purchases every on time payment for 3 months.
Nov 23, 2019
Verified Customer
This company will send you numerous offers, then cuts you off in the middle of the application process, then end you several mails telling you to finish your application, all while stopping you in the same spot.
I have far better cards than Petal for rebuilding credit, yet during the application process, didn't even offer me the option of inputting my banking info.
Then when you speak to a CSR, they are cocky and rude telling you you aren't qualified.
Then why in the bleep did you send me offers and continue to do so till this day?… show more
I have far better cards than Petal for rebuilding credit, yet during the application process, didn't even offer me the option of inputting my banking info.
Then when you speak to a CSR, they are cocky and rude telling you you aren't qualified.
Then why in the bleep did you send me offers and continue to do so till this day?… show more
Oct 27, 2019
Very good card to have they accepted me when I didn't think anyone else would have with a high limit and they take care of business on time at me should
Oct 28, 2019
Excellent card for cash back, The customer service are Above and Beyond, Thank you Petal Team and Keep it Up Creating Extraordinary Moments. God Bless Y'all
Sep 04, 2019
Tried to apply an it wouldnt accept my cell number.....smh i was trying apply from same cell number i think its bullcrap that it refused to send e a text or a call i guess its all,about them making a dollar instead of helping you
Aug 26, 2019
Low apr and I can get it so easy. I has not a credit score and they give good balance to me. The customer service is good and also you can increase your cash back percentage. I recommend this card.
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Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Last updated on: August 5th, 2020 at 08:04
Editor's Pick
Petal® Visa® Credit Card is an Editor's Pick for:
Related Credit Cards
If you are interested in the Petal® Visa® Credit Card, check out the following credit cards as well:
Related Credit Card Categories
Petal® Visa® Credit Card is related to the following categories:
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Aug 5th, 2020 at 08:04 ET