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  Petal Cash Back Visa Card

Petal Cash Back Visa Card

in Personal Credit Cards from WebBank

Claimed

Petal Cash Back Visa Card

Claimed

in Personal Credit Cards from WebBank

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Highlights
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Community Rating

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Purchase APR  (Variable APR) 12.99% - 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

Petal Cash Back Visa Card Review

Petal Cash Back Visa Card is a cashback credit card issued by WebBank. If you're wondering whether Petal Cash Back Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Earn 1.5% cash back on everyday purchases. This is higher than the average reward rate (1% cash back) for everyday purchases.
  • Competitive APRs. Petal Cash Back Visa Card has a variable purchase APR that ranges from 12.99% up to 23.99%.
  • 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.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.
Petal Cash Back Visa Card Pros & Cons
The Good The Bad
  • No credit history necessary for approval. $500 - $10,000 credit limits
  • Petal's mobile app makes it easy to manage your money, track your spending and automate payments.
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back after making 12 on-time payments.
  • Lower than average purchase APRs.
  • No annual fee.
  • Credit history not required.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Petal Cash Back Visa 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%.
  • Does not include many credit card benefits.
Petal Cash Back Visa Card FAQ

Is there a Petal Cash Back Visa Card cash back or rewards program?

No, Petal Cash Back Visa Card does not offer a rewards program. Petal Cash Back Visa Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Petal Cash Back Visa Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 1.5% for purchases in a bonus category.

What are the relevant APRs for Petal Cash Back Visa Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Petal Cash Back Visa Card has lower than average purchase APRs.

Petal Cash Back Visa Card has a variable purchase APR that ranges from 12.99% up to 23.99%.

Does Petal Cash Back Visa Card have an introductory APR offer on balance transfers?

No, Petal Cash Back Visa Card does not come with an introductory APR offer for balance transfers.

Does Petal Cash Back Visa Card have an introductory APR offer on new purchases?

Petal Cash Back Visa Card does not offer an introductory rate on new purchases.
Petal Cash Back Visa Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Petal Cash Back Visa Card?

The following fees apply to Petal Cash Back Visa Card:

  • There is no overlimit fee
Petal Cash Back Visa Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $0
Late Payment Fee $0

Does Petal Cash Back Visa Card have a foreign transaction fee?

Petal Cash Back Visa Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Petal Cash Back Visa Card report your account activity to credit bureaus?

Petal Cash Back Visa Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

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

How to apply for Petal Cash Back Visa Card

  • Visit the Petal Cash Back Visa 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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 Cash Back Visa 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

  • Headquarters
  •   215 South State Street, Suite 1000
    Salt Lake City, UT 84111
  •   Visit Site

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

About Petal Cash Back Visa Card

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Availability

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

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee $0
Paper Statement Fee $0
Late Fee Amount $0
Credit History Not Required  
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
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 Rates Every Purchase
Rewards Type Cash Back
Balance Computation Average Daily Balance (including new purchases)
Credit Limit Up to $0
Purchase APR (Variable APR) 12.99% - 23.99%
Card Type
  • Cashback
  • Bad Credit
Card Network Visa

Petal Cash Back Visa Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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-100% 0% +100%
No one recommends Everyone recommends

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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