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

Cash back rewards credit card with no annual fee and monthly credit reporting

Updated: Jul 4, 2024

Advertiser Disclosure

Issued by WebBank, the Petal 1 "No Annual Fee" Visa Credit Card is designed for Limited, Fair, Bad, or No credit applicants. With fast application and high pre-approval rates, this Visa card offers up to 5,000 credit line and attractive cashback rewards. The Petal 1 features No Annual and No Foreign transaction fees. Combined with a free monthly credit reporting facility, it can be named as one of the best starter credit cards on the market.




19.99% - 29.49% Variable



14 User Ratings

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

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Introductory APR


Intro APR Period


Recommended Credit Score

No Credit

Key Features

  • $0 Annual Fee
  • 2% - 10% cash back from select merchants
  • $500 - $5,000 credit limits
  • Variable APRs 19.99 - 29.49% APR
  • No annual or international transaction fees. Late and returned payment fees may apply
  • 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 Take

Petal 1 with No Annual Fee is award-winning Visa credit card from WebBank is an attractive tool to help you stay on the right financial track. The Petal 1 helps you to build credit, avoid paying fees and earn high cash-back rewards at selected merchants in your area. The card also has no annual fee, low interest, and a fast pre-approval process that does not affect your credit score.


  • Up to 5,000 credit line
  • Budget management App
  • Free cashback rewards program
  • No annual fee


  • No Intro APR
  • No bonus rewards
  • No cash advances
  • No Balance Transfers

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Basic Information
Issuer: WebBank
Network: VISA®
Category: Consumer (Regular)
Best Used For:
  • Low Interest Rate
  • No Foreign Transaction Fee
  • Unsecured
  • No Credit / New to Credit
  • Pre-Qualification
Rewards: Yes
Reward Types:
  • Cash Back Rewards
  • Other Rewards
  • Universal Rewards
Reward Units: Cash
Rates & Fees
Regular APR: 19.99% - 29.49%
Regular APR Type: Variable
Annual Fee: $0
Balance Transfer: No
Grace Period: 21 days
Late Payment Fee: See Terms
Other Fees:
  • Return Check Fee: up to $29
  • Late Payment Fee (1st): up to $29
  • Late Payment Fee (2nd): up to $40

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Additional Information & Comments

Late fees are up to $29 for the first late payment, $40 for the second late payment.

Non-Affiliate Offer Disclosure
*The information provided for Petal® 1 'No Annual Fee' Visa® Credit Card is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

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

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

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

Rec. Credit Score: No Credit

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