Last Updated: 05/14/2026
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Claimed
from WebBank, Member FDIC
Last Updated: 05/14/2026
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)
Disclaimer popup with additional information
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
| The Good | The Bad |
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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? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual 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.
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.
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.
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
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Purchase APR
15.49% - 24.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
630 - 850
300
850
Annual Fee
$0
Purchase APR
25.24% - 34.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
550 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 750
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +71, or 4.4 on a 5-point rating scale.
+71
-1000+100
No one recommends
Everyone recommends
Petal® 2 "Cash Back, No Fees" Visa® Credit Card Community Reviews
Would you recommend Petal® 2 "Cash Back, No Fees" Visa® Credit Card to your friends?
Ariana H.
Jul 14, 2023
May or may not recommend
This card was easy to get approved for and really helped me build my credit score. I would recommend this card.
RF
Ross F.
May 10, 2022
May or may not recommend
This was a great starter credit card. It definitely helped take away the stress of finding a first credit card when looking to rent a home. It has been a great experience in establishing my credit score.
AJ
Ashuntae J.
Oct 5, 2021
May or may not recommend
Petal is great to start with if you’ve never had a credit card. With no fees or minimum credit score, it's the perfect starter card. There’s also no late fee, so it gives you less to worry about. Its APR is enough to keep you on your toes and show you what it's really like to have a credit card. I recommend Petal for new and experienced credit card users.
MF
Molly F.
Jul 9, 2021
May or may not recommend
This is one of the cards that I helped my boyfriend apply for when we were looking to start his credit journey. The main reason being, you can sometimes get approved through petal with limited to no credit history. They're a great tool for building up your credit. There's also the added perk of having no annual fee. Overall, the Petal 2 Visa card is a solid option, especially for ...Show More
SD
Seth D.
Jan 15, 2021
May or may not recommend
I love this credit card. They gave me a very high limit off the bat. Minimum payments can get high if you have your card maxed out, but if you stay responsible with it, this is a great card.
Garrett G.
Jul 16, 2019
May or may not recommend
During the application process, there was an error and the site was unable to pull information from my credit union. I was automatically rejected due to the fact that my "cash flow information is insufficient." I tried multiple times to get help over the phone, explaining to them that I was rejected due to a failure on their end because there was an error in retrieving information from my bank. ...Show More
DC
Daniele C.
May 21, 2019
May or may not recommend
It is really good and you don’t have to have-good credit
Showing 7 of 7 reviews
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