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

Credit Card Details
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$300 - $5,000 credit limits

Card Brand Visa®

Credit Recommended Fair/Bad/Limited/No Credit

Regular Purchase APR 24.74 - 34.24% Variable

Annual Fee 0.00

Intro Purchase APR n/a

Intro Balance Transfer APR n/a


We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.

  • $0 Annual Fee
  • Variable APRs range from 24.74% – 34.24%
  • $300 – $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
  • See if you’re pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank

Additional Info

  • Annual Fee: $0
  • Regular APR: 24.74 – 34.24% Variable
  • Credit Limit: $300 – $5,000
  • Credit Recommended: Fair, Limited History, No History, Limited, No Credit
  • Late Payment Fee: Late fees up to $29 for first late payment, $40 for second late payment.
  • Return Payment Fee: Bounced payment fee up to $29.
  • Checking Account Required: Yes
  • Foreign Trans Fee: $0
  • Overlimit Fee: $0
  • Intro Rate: N/A
  • Intro Period: N/A
  • Balance Transfer: N/A
  • Intro (Purchases): N/A
  • Intro (Balance Transfers): N/A


Regular APR 24.74 - 34.24% 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 Transaction Fee n/a
Balance Transfer Fee n/a
Rated 4.8 out of 5
4.8 out of 5 stars (based on 9 reviews)

Looks great

Rated 5 out of 5
April 5, 2023

Yes I will

Sandra Paulsen

It seems like a good choice for cards

Rated 4 out of 5
June 6, 2022

I feel like it would be a good idea to get this credit card

Tammy Manker

I believe this will be a great card to help me build my credit.

Rated 5 out of 5
November 10, 2021

This will be the best card if you want you credit to be better.

Joyce Melvin

love it

Rated 5 out of 5
November 1, 2021

love it

lawanna conway

Petal @1"no annual fee"Visa credit card

Rated 5 out of 5
October 19, 2021

It’s a good way to improve your credit

William Davis

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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