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  Petal® 2
Petal® 2 "Cash Back, No Fees" Visa® Credit Card Claimed

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Claimed
SuperMoney Net Recommendation Score +67  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

5 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR 15.24% - 29.24%
Balance Transfer APR N/A
Credit Score Range 600 - 850
Annual Fee $0
Number of Reviews 6

Petal® 2 "Cash Back, No Fees" Visa® Credit Card Review

This is a credit card issued by WebBank, Member FDIC. If you're wondering whether this Petal card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 2% - 10% cash back at select merchants
  • Build credit alongside hundreds of thousands of Petal Card members.
  • Competitive APRs. Petal® 2 "Cash Back, No Fees" Visa® Credit Card has a variable purchase APR that ranges from 15.24% up to 29.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Fair or better credit required. You may have relatively good approval odds if your credit score is above 600.
Pros & Cons of Petal card
The Good The Bad
  • Petal's mobile app makes it easy to manage your money, track your spending and automate payments.
  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back on eligible purchases after making 12 on-time payments.
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Considers applicants who don't have a credit history.
  • No foreign transaction fee.
  • Petal® 2 "Cash Back, No Fees" Visa® Credit Card reports to multiple credit bureaus.
  • No balance transfers
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Rewards bonus rate of only 1.5% on most everyday purchases. Terms apply*.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Petal card FAQ

Does Petal card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Petal card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 15.24% up to 29.24%.

Does Petal card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Petal card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Petal card?

The following fees apply:

Petal card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $0
Late Payment Fee $0

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Petal card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the support contact email for Petal card?

The support contact email for Petal card is emailsupport@petalcard.com.

How do people rate the customer service and user experience of Petal card?

Overall, Petal card is strongly recommended based on community reviews that rate customer service and user experience.

Does Petal® 2 "Cash Back, No Fees" Visa® Credit Card report your account activity to credit bureaus?

Yes, Petal® 2 "Cash Back, No Fees" Visa® Credit Card reports your account activity to the following credit reporting agencies:

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Petal card

  • Visit the Petal card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

Petal® 2 "Cash Back, No Fees" Visa® Credit Card Disclosure: All Petal Card holders begin with 1% cash back on all eligible purchases. Their cash back percentage increases to 1.25% after a total of 6 on-time monthly payments and increases to 1.50% after a total of 12 on-time monthly payments.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

Other Services by WebBank, Member FDIC

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $0
Paper Statement Fee $0
Late Fee Amount $0
Credit History Not Required
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Categories
  • 1.0% Cash Back on
  • 2% - 10% Cash Back on
Balance Computation Average Daily Balance (including new purchases)
Credit Limit $300 - $10,000
Purchase APR 15.24% - 29.24%
Card Type
  • Rewards
  • Cashback
  • Bad Credit
Card Network Visa

Petal® 2 "Cash Back, No Fees" Visa® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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