Petal® 1 “No Annual Fee” Visa® Credit Card

Credit Card Details

$500-$5,000 credit limits

Card Brand Visa®

Credit Recommended Fair/Bad/Limited/No Credit

Regular Purchase APR 19.99 - 29.49% Variable

Annual Fee 0.00

Intro Purchase APR n/a

Intro Balance Transfer APR n/a


  • $0 Annual Fee
  • $500-$5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • 2%-10% cash back at select merchants
  • Variable APRs 19.99%-29.49%
  • No annual or foreign transaction fees.
  • Build credit alongside tens of thousands of Petal Card members
  • 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

Additional Info


Regular APR 19.99 - 29.49% Variable
Annual Fee 0.00
Intro (Purchases) n/a
Intro (Transfers) n/a
Credit Recommended Fair/Bad/Limited/No Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Late fees up to $29 for first late payment, $40 for second late payment.
Overlimit Fee n/a
Return Check Fee Bounced payment fee up to $29.
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Card Reviews

Rated 4.8 out of 5
4.8 out of 5 stars (based on 4 reviews)


New credit new card new chance

Rated 5 out of 5
October 12, 2021

I have heard nothing but positive about Petal 1 card for helping customers recover after a bad year from Covid 19. When every other card I’ve looked at puts you on a negative foot as you walk in the door. I am looking forward to being a Petal 1 family member

Evelyn McFeely

Is very effective

Rated 5 out of 5
February 9, 2021

This is so interesting and loving


Best card

Rated 4 out of 5
February 9, 2021

When I mean best is very fast and reliable


A helping hand when you need one.

Rated 5 out of 5
February 1, 2021

This is the best card that I came across, that actually helps you rebuild your credit and increase your credit score.


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