Petal 2 "Cash Back, No Fees" Visa® Credit Card Review | CompareCredit.com
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Petal® 2 "Cash Back, No Fees" Visa® Credit Card Review

By Thomas Donaldson

With their unique cash flow approval technology, the Petal® 2 "Cash Back, No Fees" Visa® Credit Card offers unlimited cash back on purchases AND no annual fee to those with No Credit/Limited Credit.

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

(122 reviews)

Current Offer
Up to 1.5% cash back after making 12 on-time monthly payments. 1% cash back on eligible purchases right away.
Apply Now

on WebBank's secure site

  • Up to 1.5% cash back after making 12 on-time monthly payments. 1% cash back on eligible purchases right away.
  • No annual fee, No late fee, no international fee
  • See if you're pre-approved within minutes without impacting your credit score
  • $0
  • Excellent/Good/Limited/No Credit
Product Details
  • Click "APPLY NOW" to apply online
  • 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 monthly payments
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back from select merchants
  • $500 - $10,000 credit limits
  • Variable APRs 12.99% - 26.99%
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal's technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC

Our Expert Review

Why We Like It


Offer Rating

5/ 5

By Our Editorial Team

Key Benefit

Earn cash back on purchases while you pay no annual fee and build your credit with responsible use.

Compare Credit logomarkEditor

Petal is reimagining how consumers get approved for credit cards. In the past if you were new to credit, you were typically stuck with a credit card with a high annual fee an no rewards program – but not anymore. The Petal® 2 "Cash Back, No Fees" Visa® Credit Card offers anyone with Excellent/Good/Limited/No Credit the ability to earn cash back rewards on purchases: Up to 1.5% cash back after making 12 on-time monthly payments. 1% cash back on eligible purchases right away. You can even earn cash back rates between 2% and 10% back from select merchants.

Unlike most credit cards for first-timers, this card comes with no annual fee. In fact, there are no fees at all – no late fees, and no foreign transaction fees which makes this card a great choice when traveling overseas. The Petal® 2 "Cash Back, No Fees" Visa® Credit Card has a quick and easy online application that lets you see if you're pre-qualified in minutes with no impact to your credit score.

Pros & Cons

Pros

  • Enjoy up to 1.5% cash back on purchases
  • No fees whatsoever. No late fee, no international fee, & no annual fee
  • See if you're pre-approved within minutes without impacting your credit score

Cons

  • No Intro APR on purchases or balance transfers
  • No cash back sign up bonus

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