Get answers to your questions about Petal below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
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: 28.24% - 33.24% (V)
Network: Visa
Minimum Credit Required: Limited History
Annual Fee: $0
Rewards: 2% - 10% cash back at select merchants
Regular APR: 28.24% - 33.24% (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: 28.24% - 30.24% (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.
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
Yes, you can get pre-approved for the Petal® 2 Visa® Credit Card. Petal has an online pre-approval page where you can quickly check your odds of approval for certain Petal cards before you apply for one.
You may also receive pre-approved offers from Petal by e-mail or when logging into your card account. Petal may also mail you pre-approved offers for a specific card.
Getting pre-approved for a Petal 2 Card indicates that your chances of being approved 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. Actual terms may vary. 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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