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  Petal® 1
Petal® 1 "No Annual Fee" Visa® Credit Card Claimed

Petal® 1 "No Annual Fee" Visa® Credit Card

Claimed
Net Recommendation Score +50  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

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.

Rating not yet determined  

1 user recommends
1 user is unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 22.24% - 31.74%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 550 - 850
Annual Fee $0

Petal® 1 "No Annual Fee" Visa® Credit Card Review

This is a cashback credit card issued by WebBank, Member FDIC. If you're wondering whether Petal Visa Credit 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
  • Generous reward rate. You will get a maximum cashback rewards rate of up to 10%.
  • See if you're pre-approved within minutes without impacting your credit score.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 22.24% up to 31.74%.
  • 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 bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of Petal Visa Credit Card
The Good The Bad
  • No deposits required
  • No annual fee.
  • Considers applicants who don't have a credit history.
  • No foreign transaction fee.
  • Petal® 1 "No Annual Fee" 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 Visa Credit Card FAQ

Does Petal Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card, which means you earn a percentage of your purchases as cash back rewards at select merchants.

What are the relevant APRs for Petal Visa Credit 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. This card has higher than average regular APRs.

Petal® 1 "No Annual Fee" Visa® Credit Card has a variable purchase APR that ranges from 22.24% up to 31.74%.

Does Petal Visa Credit Card have an intro APR offer on balance transfers?

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

Does Petal Visa Credit 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 Visa Credit Card?

The following fees apply:

Petal Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $29
Late Payment Fee $29 - $40

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

Does Petal Visa Credit 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 Visa Credit Card?

The support contact email for Petal Visa Credit Card is emailsupport@petalcard.com.

How do people rate the customer service and user experience of Petal Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Petal® 1 "No Annual Fee" Visa® Credit Card report your account activity to credit bureaus?

Yes, Petal® 1 "No Annual Fee" 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 Visa Credit Card

  • Visit the Petal 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

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.
  • 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
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $29
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 Select Merchants
Balance Computation Average daily balance (including new purchases)
Credit Limit $300 - $5,000
Purchase APR (Variable APR) 22.24% - 31.74%
Card Type
  • Cashback
Card Network Visa

Petal® 1 "No Annual Fee" 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 +50, equating to 4 on a 5 point rating scale.

+50

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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