Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit, Limited History
Petal® 2 Visa® Credit Card
Editor’s Take
John Kiernan, Credit Card Editor
June 23, 2021
Review: Petal® 2 Visa® Credit Card
The Petal® 2 Visa® Credit Card is one of the best starter credit cards available to people with limited or no credit. With $0 fees across the board, rewards equal to 1 - 1.5% cash back on all purchases, and monthly credit-bureau reporting, the Petal 2 Visa Card has all the ingredients needed to grow a good credit score.
Getting approved for the Petal 2 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 2 Visa 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 2 Card is the right move for you, we’ll explain the most important considerations in more detail below.
Getting approved for the Petal 2 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 2 Visa 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 2 Card is the right move for you, we’ll explain the most important considerations in more detail below.
Petal 2 Card Review Highlights
Annual Fee: $0
“No annual fee” is the most important credit card feature for newcomers. Annual fees can easily outweigh the value of rewards on starter credit cards.
Initial Bonus: None
Student credit cards tend to be the only credit cards for people with limited credit that offer initial rewards bonuses.
APR: 12.99% - 26.99% (V)
Each applicant who is approved for an account receives a rate from that range, based on their overall creditworthiness. In particular, creditors consider an applicant’s credit score, income and existing financial obligations. For context, the average credit card offer charges about 18.24%.
Credit Limits: $500 - $10,000
Most starter credit cards have $300 minimum credit limits, but $500 is not unheard of. Credit newcomers are unlikely to qualify for a limit anywhere near the $10,000 maximum, however.
Still, the fact that the Petal 2 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.
Foreign Fee: 0%
Internationally-processed purchases won’t cost you extra with the Petal 2 Card. That could save you money not only if you travel abroad, but also if you make purchases through internationally-based merchants while in the U.S.
Rewards Rates: 1 - 1.5% Cash Back
The Petal 2 Visa Card gives at least 1% cash back on all purchases. The earning rate goes up to 1.25% cash back after six straight months of on-time payments, and it jumps again – to 1.5% cash back – after 12 consecutive months of paying on time. In other words, the Petal 2 Card promotes responsible habits by providing a lot of rewards value as an incentive.
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.
Card Issuer: WebBank
WebBank is a relatively small credit card issuer based in Salt Lake City, Utah. In addition to the Petal 2 Card, WebBank issues the Petal® 1 Visa® Credit Card, the Fingerhut Credit Account and other co-branded credit card accounts.
Card Network: Visa
Visa is one of the four major card networks, along with Mastercard, American Express and Discover. The fact that it’s a Visa card means you can use the Petal 2 Card anywhere that accepts plastic.
Credit-Bureau Reporting: 3 bureaus, monthly
Monthly credit reporting gives cardholders the opportunity to build good credit history by paying bills on time and keeping balances well below the credit limit.
Reviews: 4.0 from 60+ WalletHub user ratings
The Petal 2 Card has not been around for long, having launched in October 2018. And this newcomer credit card is pretty darn good for credit card newcomers. To make sure it’s the right fit for you, click the “Apply Now” button on this page and check for Petal 2 Card pre-approval. It won’t affect your credit at all, and you’ll be able to get a sense of how likely you are to be approved if you do apply for real.
By the way, if you apply for the Petal 2 Card and do not get approved, you will automatically be considered for the new Petal 1 Card, which offers less in rewards but is easier to get.
This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
June 23, 2021
Petal® 2 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
- 2% - 10% cash back from select merchants
Petal® 2 Visa® Credit Card's Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| Not Offered | Balance Transfers Not Allowed | 12.99% - 26.99% (V) |
|
Purchase Intro APR
|
Not Offered |
|---|---|
|
Transfer Intro APR
|
Balance Transfers Not Allowed |
|
Regular APR
|
12.99% - 26.99% (V) |
| ANNUAL FEE
|
$0 |
|---|
Petal® 2 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
|
N/A |
| CASH ADVANCE FEE
|
N/A |
| 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.
- $500-$10,000 credit limits
- Variable APRs 12.99%-26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- 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
- Last updated on 6/23/2021
at Petal's
secure site
Editor's Pick
Petal® 2 Visa® Credit Card is an Editor's Pick for:
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If you are interested in the Petal® 2 Visa® Credit Card, check out the following credit cards as well:
Related Credit Card Categories
Petal® 2 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® 2 Visa® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
How can I get Petal Credit Card pre-approval? Reply 12votes7votes
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.
12
Upvotes
What's the Petal Cash Back Visa credit score requirement? Reply 25votes14votes
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.
25
Upvotes
How do I apply for the Petal Credit Card? Reply 18votes15votes
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.
18
Upvotes
How can I pre-qualify for the Petal Cash Back Visa? Reply 14votes7votes
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.
14
Upvotes
What credit bureau does the Petal Credit Card use for approval? Reply 15votes6votes
Josh Reeves
@josh_reeves
The issuer will most likely use your Experian credit report when you submit a Petal Credit Card application.
15
Upvotes
What's the Petal Visa Credit Card age requirement? Reply 14votes6votes
Denny Pratt
@denny_pratt
You must be at least 18 to apply for the Petal Visa Credit Card.
14
Upvotes
Can I use my Petal Cash Back card anywhere? Reply 12votes11votes
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.
12
Upvotes
How can I pay bills with my Petal Credit Card? Reply 10votes4votes
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.
10
Upvotes
What's the starting Petal Cash Back Visa card credit limit? Reply 10votes5votes
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.
10
Upvotes
How can I apply for the Petal Credit Card with a tax ID? Reply 8votes1votes
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.
8
Upvotes
Petal® 2 Visa® Credit Card Video Review
Petal® 2 Visa® Credit Card Reviews
Share your insights and review the Petal® 2 Visa® Credit Card.
May 19, 2021
thank god for other consumer comments and experiences, after reading all the horrible insights I will pass on this card. thank you to everyone who submitted Honest, trustworthy comments. I have fair credit and was looking for an Honest credit card to build better credit file and history
Comment
Apr 10, 2021
They were so helpful in quickly replacing my card after someone got ahold of the number. Really nice customer service and I've never had the card be rejected or anything.
Mar 14, 2021
Initially I really enjoyed this card and the benefits it offered. I got this account around the time I had my baby in August of 2020. So in February I was beyond upset when my line of credit was decreased with no explanation. I mean beyond upset! I just had a baby and needed the credit to get by! So I had to apply for another card(Discover) to make it through. I have missed one payment on my credit cards in the last 3 years. Only one. I have never missed a payment with any of my cards including Petal during this mess of a pandemic. So why, at a time when many people are depending on credit to get through would anyone think this is a good time to lower credit lines when people really need it. It's pretty messed up. I sent feedback when it happened and never got a response. There was no reason to directly lower my credit line. I was out of work because of a high risk pregnancy and just had my baby 6 months ago. When this unwarranted decrease occured I decided that when I got a job with my first paycheck I would pay this card off and close my account. Well here's to my last payment.
I have heard some companies are doing this because of the pandemic even though balances have been showing a lower trend in credit spending but this is the only company that lowered my limit, out of the five I have with limits higher than this. Because of this my credit score decreased along with this credit limit because it increased my utilization. So thanks Petal.… show more
I have heard some companies are doing this because of the pandemic even though balances have been showing a lower trend in credit spending but this is the only company that lowered my limit, out of the five I have with limits higher than this. Because of this my credit score decreased along with this credit limit because it increased my utilization. So thanks Petal.… show more
Feb 21, 2021
Was approved with a $750 limit, used it responsibly. I always paid it off every month. Then out of nowhere they drop me to $500. So I met them halfway, this card now gets only a $5 monthly charge from Amazon that I pay off every month. Will keep it until they decide to close or go out of business.
Feb 16, 2021
I passed on this card. Sent me a 'you're approved' mail piece and then wanted me to apply for the card! Bait and switch. 2%-10% cash back on 'SELECT' merchants? 27% interest? I have better cards I don't even use. Bad card, sneaky advertising. Does not pass the smell test.
Feb 12, 2021
Horrible. They take an entire week to credit your payment to your available credit although the payment has cleared and has been taken off my balance. I had to wait another 7 days for it to be reflected on my available credit. Ridiculous!!
Feb 02, 2021
Petal after one month of having there card and using it and paying my credit off dropped my credit limit 40% they did a bait and switch very horrible credit card company they don’t add AU they don’t take limit increase request over all this company gets a 0 stars stay away and go to a different company
Dec 31, 2020
I have mid 600range credit score with excellent payment history and no debt. I was declined before i could even fully apply. My credit will keep going up but I will never accept this card. Bad Business Insulting folks right out of the gate
Dec 29, 2020
With a credit rating of 656 per them I was DENIED so they suck if you ask me . Thats ok I have 5 much better credit cards than them . Nothing else to say but you have to ads 69 more characters. Wallet Hub wont post this because they make money on it . I left a bad one before by them and it never posted
Dec 19, 2020
It has helped to restore my credit to where it once was , great starter card for acquiring new or old credit , just wished they would give credit increases after 6 months to a year on time payments , other than that no complaints
Dec 08, 2020
Never been late, gave me $3000 then cut it to $1500 for no reason. Charged me a total of $820 within one year just for interest! Only few months I had a bit higher balance because my mind was on the virus stuff. They did not even budge when I called to pay the entire balance so I can close account. Legal theives!
Nov 05, 2020
Didn't even get approved or get a good reason why. I have no credit but I am blessed to have a good job and apparently they think I can't pay it off??? What type of logic is this approval process based on? Thought it was for low/no credit anyway wtf. On to the next then smh.
11/30/20
Start with SELF credit builder account. Credit is illogical to me as well but trying to work within their framework best I can. Score went up 125 points since August 2020 and approved for 3 new cards. I started slow and applied for one a month.
Oct 19, 2020
Verified Customer
Seems I was declined a year ago and my score is up higher now and I was adding this as my last 3rd card. Too my surprise I get a message I was declined before therefore they cant approve me credit. I wish I had not applied now and I think they use their own criteria for approval and non approval. If you dont want a ding inquiry I say its not worth the risk.
10/24/20
Same thing happened to me. Only I was declined 2 years ago but they still saying due to that decline 2 years ago they can't approve me. This was the Petal card by WebBank.
Oct 09, 2020
Did I mention they said I was pre-approved before I got denied with my 647 score. I know my credit file is new, but who does that denying people after pre- approving them. I’m still trying to figure out why they would send me pre-approval and then denied me. I have 2 credit cards and last month they reported $15 balance on these cards.
Sep 27, 2020
I have received a mail saying that I was preapproved for the credit card. I decided to apply since I was looking for a service to boost my credit.
I have submitted all the required documentation, which was already more than one would expect. They wanted my paystubs, documentation from the bank and several more docs.
Firstly, it took them two weeks to get back with me in order to juts ask for more documentation that I already have provided, claiming it was expired. I provided even more docs and referred to my application. Then I had to wait for two more weeks. I tried to call the support, and all they told me is to wait. In two more weeks, I got another automatically generated email saying that I did not provide the required documentation, to which I responded that I had been provided in the same email chain.
As the result, no one got back with me With any verdict on my application, and my credit score went down for no apparent reason.
I am totally disappointed with Petal and would not recommend this service to anyone. They obviously don’t care about customer service or even about providing a human response to the clients. I truly hope that their business model becomes a failure juts like their attitude.… show more
I have submitted all the required documentation, which was already more than one would expect. They wanted my paystubs, documentation from the bank and several more docs.
Firstly, it took them two weeks to get back with me in order to juts ask for more documentation that I already have provided, claiming it was expired. I provided even more docs and referred to my application. Then I had to wait for two more weeks. I tried to call the support, and all they told me is to wait. In two more weeks, I got another automatically generated email saying that I did not provide the required documentation, to which I responded that I had been provided in the same email chain.
As the result, no one got back with me With any verdict on my application, and my credit score went down for no apparent reason.
I am totally disappointed with Petal and would not recommend this service to anyone. They obviously don’t care about customer service or even about providing a human response to the clients. I truly hope that their business model becomes a failure juts like their attitude.… show more
Sep 25, 2020
When i applied for this card my credit was...well...just under 540...i didnt think anyone would give me a chance and then one night watching ads in a game i saw the ad for petal. Eh...why not, i thought. Worst thing is they deny me like many others had. To my amazement Petal approved me for a $750 credit line. The advertisements are correct. no Fees...late fees overage fees hidden fees..none. it is the best card i have now and i will always refer people to petal because they gave me a chance. Thank you Petal for letting me build credit. Now my credit is 701. I never thought i would see those numbers.… show more
03/14/21
Wow you got approved with a 540? Crazy lucky. I didn't think they'd approve me with a 640 lol Congrats on the 700 credit score!
Sep 09, 2020
This is one of the worst experiences I've had with a credit card company! They've been in business for a few years but constantly make mistakes and blame it on "they're new." The customer service is horrible and this company is just not worth the headache! Do yourself a favor and look elsewhere.
Sep 06, 2020
Interesting......I did the pre-approval and it said I had previously been declined. I have NEVER applied for this card before, so im am not sure how that happened being the first time I have ever seen this card.
Sep 03, 2020
Verified Customer
SUCKS !!! I Have a 713 Credit Score and Can't Get One...Must Be for the High Class Folks and not the Average Joe. I am Trying to better my Credit but its People Like these that make it hard to do. SUCKS.
09/16/20
Hey Thanks For the information...I already have a fingerhut account, Petal is a visa Credit card issued by webbank, my understanding is its not a Fingerhut account. Chase and Citi won't approve me either.
09/07/20
Why would you want a Fingerhut account with a 713? Why not get a traditional credit card (Like Chase or Citi) and shop where you want with a lower APR?
Aug 24, 2020
i got stopped during the application process putting in my info, always stopped at the same spot, like they really did not want me to complete the application. sad. was hopping to be able to use this in my rebuild , oh well.
Aug 10, 2020
Verified Customer
I have a good score of 718. Little to no debt and they turned me down. I was approved by Discover, but this company didn’t approve. Don’t know what they rate you on, but it can’t be good. They also asked to access my bank information, now I’m really uncomfortable with that and plan to change my codes. So glad I didn’t give them my main accounts. Never again.
Jul 17, 2020
Verified Customer
I had this card for a 8 mths always paid more than min, kept my balance withing 10% of my credit limit, my credit score went up but they then lowered my credit limit from $2,500 down to just $500 at that point not worth having if you want to keep your usage percent within guide lines.
Jul 12, 2020
Misleading advertising, my application was denied even though as a recent college graduate I have a good paying job. I could definitely afford to make payments but my application was unfortunately denied.
Jul 12, 2020
Went through the whole process of filling out online app & linking my bank acct. to the app. only for them to tell me they need more time to consider my app. & send me an email to state this. But when I got the email, it was addressed to my mother. How in the world does that happen. My mother is not listed on any of my accounts. I called customer service to resolute the problem & they seem not to be interested. I wouldn't care if they approved me, I don't want the card. If it doesn't start right, it will never be right. Something fishy with them. Stay clear.… show more
Jul 09, 2020
I would like to see if i can get approved for a credit card because I could be able to get some items for my husband because he does everything for me and i want to get something for him that he would like like some wrenches and stuff.
May 30, 2020
Since I paid off my truck which I was never late on my credit score has dropped dramatically. I need to establish credit again. The medical bills are all covered by insurance i just have to send them the bill. Thanks Jeff Guido
May 15, 2020
Yes I'm trying to build credit and can a card that I can use and pay off each month $500 only thank you you can check my credit you're the last six months paid off a loan got another loan have one card tell me that I need another card to raise my limit faster had the other credit card for 4 month I think I hit you at 4 months painting off the first two months a used in paint off first two months and my next payment isn't due now until I think it's the 3rd of June but I've already paid any on it and plan on paying another 150 on it here in the next couple days from what I've seen so far on Europe pronounce I would give you a four or five rating… show more
May 01, 2020
Verified Customer
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
Apr 29, 2020
Verified Customer
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.
09/25/20
While the apr is kinda high, it's acceptable because they are taking a credit risk. The lowest they ask for is 25.00. My minimum payment has never been more than that
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 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
Verified Customer
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.
11/17/20
Never get a cc that wants your bank accnt info. despite what these sites say. They are sponsored by those very cc companies to push certain cards. If it's the risk they are so damn worried about, don't offer the card period, or raise rates. Pretty darn simple. Never EVER give out bank info to anyone for anything. Number one rule.
Feb 29, 2020
Verified Customer
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.
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Ask the Experts
To help people learn more about the Petal 2 Visa Credit Card, WalletHub posed the following questions to a panel of experts. You can see who they are and what advice they had to share below.
- Would you recommend the Petal 2 Visa Credit Card to your students? Why or why not?
- Why do you think WebBank gave the Petal 1 Visa and the Petal 2 Visa such similar names? What impact do you think this has on consumers?
- Is it a good idea for credit card companies to tie rewards rates to on-time payments, at least for credit newcomers?
- Do you think people with a limited credit history are more likely to apply for a credit card from a company without much brand recognition?
Karen Becker-Olsen
Joetta Forsyth
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.
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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.
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Last updated on: Jun 23rd, 2021 at 16:04 ET
Editor's Pick
Petal® 2 Visa® Credit Card is an Editor's Pick for:
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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 the issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Jun 23rd, 2021 at 16:04 ET