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  Petal® 1 Visa® Credit Card

Petal® 1 Visa® Credit Card

in Personal Credit Cards from WebBank

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Petal® 1 Visa® Credit Card

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in Personal Credit Cards from WebBank

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Highlights
Purchase APR  (Variable APR) 19.99% - 29.49%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 550 - 850
Annual Fee $0

Petal® 1 Visa® Credit Card Review

Petal® 1 Visa® Credit Card is a cashback credit card issued by WebBank. If you're wondering whether Petal® 1 Visa® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a cashback rewards rate of up to 10%.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.99% up to 29.49%.
  • 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.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
Petal® 1 Visa® Credit Card Pros & Cons
The Good The Bad
  • No annual fee.
  • Credit history not required.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Petal® 1 Visa® Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.
Petal® 1 Visa® Credit Card FAQ

Is there a Petal® 1 Visa® Credit Card cash back or rewards program?

No, Petal® 1 Visa® Credit Card does not offer a rewards program. Petal® 1 Visa® Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

What are the relevant APRs for Petal® 1 Visa® Credit 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® 1 Visa® Credit Card has higher than average purchase APRs.

Petal® 1 Visa® Credit Card has a variable purchase APR that ranges from 19.99% up to 29.49%.

Does Petal® 1 Visa® Credit Card have an introductory APR offer on balance transfers?

No, Petal® 1 Visa® Credit Card does not come with an introductory APR offer for balance transfers.

Does Petal® 1 Visa® Credit Card have an introductory APR offer on new purchases?

Petal® 1 Visa® Credit Card does not offer an introductory rate on new purchases.
Petal® 1 Visa® Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Petal® 1 Visa® Credit Card?

The following fees apply to Petal® 1 Visa® Credit Card:

Petal® 1 Visa® Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $19
Late Payment Fee $29 - $40

Does Petal® 1 Visa® Credit Card have a foreign transaction fee?

Petal® 1 Visa® Credit 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® 1 Visa® Credit Card report your account activity to credit bureaus?

Yes, Petal® 1 Visa® Credit 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 may help improve your credit.

How to apply for Petal® 1 Visa® Credit Card

  • Visit the Petal® 1 Visa® Credit 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.

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
  •   PO Box 85740
    Sioux Falls, SD 57118
  •   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® 1 Visa® Credit 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

Every Purchase (Points) 2% - 10% back at select merchants in your area.
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 Up to $19
Late Fee Amount $29 - $40
Credit History Not Required  
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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 550 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Categories
  • 2% - 10% Cash Back on
Balance Computation Average daily balance (including new purchases)
Credit Limit $500 - $5,000
Purchase APR (Variable APR) 19.99% - 29.49%
Card Type Cashback
Card Network Visa

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