DO NOT GET THIS CARD!!! LEAP PROGRAM A SHAM!!!!! I was approved for $750 in November 2021 with a 660 credit score at that time. I paid my balance every month hoping to get a higher credit limit after 6 months thru their "leap" program. Fast forward, i get an email stating my credit limit increase is ready. I go to the app and its for $50 dollars!!!!! I was shocked!! This is how you reward people thru the leap program for payingmore than the minimum!!?? I called customer service and asked when i could get another credit line increase. I was told the "accounts are reviewed periodically, but there is no set time frame for review" i.e 6 months, 1 year etc. I then ask if i can request a credit line increase on my own and was told "Petal does not accept credit line increase request from card holders". I closed my account during this same conversation. 30.49 %interest and only a $50 increase after paying off balance every month.and not sure when you will be granted another increase....not worth it.
I am a loyal customer of Petal for several years. My experience was great until I was TOTALLY RIPPED OFF by a SCAM COMPANY, for nearly $200. I disputed the charge when the SCAM COMPANY absolutely STOLE MY MONEY, PETAL SIDED WITH THE SCAM COMPANY IN MY DISPUTE AND SUPPORTED THE OUTRIGHT THEFT OF MY $200. I am filing separated complaints against everyone involved, with the Federal Trade Commission, the Consumer Protection Bureau, vthe Oklahoma Attorney General, the California Attorney General, the Maryland Attorney General, and will soon bring an action in Small Claims Court in Oklahoma. I WOULD NOT RECOMMEND THIS CARD TO ANYONE WHO BELIEVES IN JUSTICE, FAIR PLAY, LOYALTY AND EQUITY. Petal supports and defends SCAM COMPANIES to the detriment of its loyal customers, even when they KNOW that their loyal customer was TOTALLY SCAMMED. I will pay off this balance and cut the card in half. I advise all others to do the same. Since getting Petal and rehabbing my credit, I've recently gotten major increases on 3 other cards, and new cards with $14,000 in new credit, so Petal and I are THRU!
<p>AVOID PETAL. THEY DO NOT STAND BEHIND THEIR CUSTOMERS FOR FRAUDULENT CHARGES.
On March 31 at 4:59am EST I received an email from Petal that let me know a charge was declined from "dreamstime.com", immediately after that I received another email for a declined transaction from "Sell The Rights For". Around 8:00am when I woke up I noticed the emails and checked my credit card app where two charges were shown, both from dreamstime.com for $1, and $152.66 respectively before the decline emails must have come in. I froze my credit card and called Petal to ask to dispute the charges and have a new card sent. They let me know at the time that I would need to wait for the charges to clear until disputing. I called them back once they cleared whereupon they investigated and sent me notice on April 17 that my dispute was denied. I do not know, nor have I ever heard of either of these vendors. I received another notice on Apr 29th that my dispute appeal was denied. After the initial dispute was denied I received a report that showed the purchase details. The email address used was one I do not own, nor have ever owned, the name was shown as my first and middle name, the address used did not match the address on my card and FAILED address validation, and the IP of the purchase "76.168.99.214" was in Los Angeles, where I have never been in my entire life. I live and work in Brooklyn, NY. On April 28th, I closed my account with Petal because they obviously cannot be trusted to stand behind their customers.
I filed with the FDIC and the BBB, and they are STILL holding me liable for these obviously fraudulent charges.</p>
DO NOT, I repeat, DO NOT under any circumstances get this card. STAY AWAY FROM PETAL. The company is unscrupulous! The limits are super low ($4,000). What can I do with $4,000. I didn’t even use the card for months and months. I decided to use it to pay a couple small bills and it is blocked or suspended. Customer service is the worst, even worst than Credit One if you can believe that. Stick to AMEX, Chase and / or your credit unions. Thank me later. They should have the option to give negative Stars ⭐️
I have hardship due to covid and called several times throughought my hardship journey. I strongly Recommend if you would like a good credit card company you go somewhere else. These people would not even work with me in hard times and that’s the biggest thing about a company going forward they need to start doing. Not only that they wouldn’t even wave one late fee for me one single late fee, that’s all I was asking for them to do and now I’m in a lot of debt, because I refuse to pay these jerks.
It is a great credit building card to get to that 1.5% cashback rate. However, if you have other cards, then this card becomes non-competitive in rewards rate. It has some limited amount of offers with merchants for additional cashback, but they are not something to get into the bandwagon for. Over the two and half years with the card, I only had a few issues with account logins, phoning customer service for Apple Pay approval, and card declines for some purchases. In terms of app visuals, it is simple, modern, and artsy. Well done there! Overall, great card for people early on in the credit building phase!
I attempted to apply for this card and they requested I link my bank account via a 3rd party called 'plaid'. I attempted to do so only to find out plaid does not support my bank. I messaged petal and asked if I was sol and they basically said yes. Something to the tune of 'our partner supports over X amount of banks if yours is not supported we cannot extend an offer to you.' I suspect that petal gets kickbacks from plaid (3rd party) for sending people through them to get their petal card. I would stay away from this company, the fact they use a 3rd party system to check your account is also a red flag for me. As they say 'if it is too good to be true it probably is'
Horrible. Just horrible. I got this card with high hopes to help build my credit score. All was well for the first few months, until I could no longer make payments on my card. I would consistently get the message that I had "Insufficient funds" in my bank account when I had upwards to $300 more than the payment I was trying to make. 5 months of this with several unhappy phone calls and being told its my banks fault, not theirs and no effort to try and help. After being hit with several late fees that never got waived, I finally opened a credit card with my bank and had my balance transferred to them and asked to close my account. My account was never closed, and my balance was just reported today (after closing my account over 4 weeks ago) to the credit bureaus and plummeted my score. This company is a joke. DO NOT get this card. Period.
I applied for this card because a friend mentioned that it would be a good idea to use on my monthly doctor appointments and medications that my insurance does not pay for. Since Petal card is so easy and they set everything up for you to keep track in every amount that you spend. It turns out to be perfect to use on health reasons only. I even get cash back on medications and my doctor visits. I have not had it long enough yet to say how good it is. But so far I am satisfied with it and happy. To me its just like having another bank card.
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 when logging into their card's online account. And in some cases, Petal will send people pre-approved offers for a specific credit card in the mail.
Getting pre-approved for a Petal 2 Card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.
Enter your email, name, birthday, phone number, and SSN/ITIN.
Click “Next” to view any pre-approved offers.
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. Simply 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 Petal to flag the application as pre-approved.
Petal 2 Card pre-approvals do not affect your credit score, as they're done using a soft “pull,” or inquiry. But if you decide to submit an application for the Petal 2 Card, Petal will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.
Yes, the Petal card is legit. Both Petal 1 Card and Petal 2 Card are legit because they are actual credit cards issued by WebBank. 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
3.6 / 5 average user rating on WalletHub for Petal 1 Card
3.5 / 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.
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.
