Last Updated: 07/28/2025
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Claimed
in Credit Cards from WebBank, Member FDIC
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +71
Strongly recommended7 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
18.24% - 32.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
N/A(Verified 08/15/2023)
Credit Score Range
600 - 850
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Annual Fee
$0
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Number of Reviews
Petal® 2 "Cash Back, No Fees" Visa® Credit Card Review
This is a cashback credit card issued by WebBank, member FDIC.. If you're wondering whether Petal® 2 "Cash Back, No Fees" Visa® Credit Card is the right card for you, read on.
Key Takeaways
- 2% - 10% cash back at select merchants
- Build credit alongside hundreds of thousands of Petal Card members.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.24% up to 32.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Petal card
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Petal card FAQ
Does Petal card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 1.5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Petal card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Petal card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for Petal card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Petal® 2 "Cash Back, No Fees" Visa® Credit Card has a variable purchase APR that ranges from 18.24% up to 32.24%. Petal® 2 "Cash Back, No Fees" Visa® Credit Card does not offer balance transfers.
Does Petal card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Petal® 2 "Cash Back, No Fees" Visa® Credit Card does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $0 . 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 customer service phone number for Petal card?
The customer service number for Petal card is (855) 697-3825.
What is the support contact email for Petal card?
The support contact email for Petal card is generalinfogroup@webbank.com.
What is the login page for Petal card?
You can access the login page of Petal card here.
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 to the following credit bureaus:
- 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 may help build your credit.
Does WebBank, Member FDIC perform a hard credit pull?
Yes, Petal card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Petal card
- Visit the website of Petal card.
- 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.
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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.
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