Petal Visa® Credit Card
Consumer Reviews, Fees, Credit Score, Application & Best Alternatives
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Petal Visa issued by WebBank is a great credit card for people who have no credit history or want to get a solid card with a bad credit score. With additional perks, such as easy money management, this card can help consumers overcome their financial difficulties and regain control over their financial lives.
The online application is quick and easy to complete, followed by a swift response. Great benefits, including cash-back program, no fees whatsoever, and high credit limit make this card one of the better starter cards on the market.
If you want to find out more about this card and see if it can meet your unique financial needs, see Petal Visa Credit Card information provided below.
- 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
- Variable APRs 12.99% to 29.49%.
- 1% cash back on eligible purchases right away
- Up to 10% cash back from select merchants
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- $500 - $10,000 credit limits
- 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
Petal Visa Credit Card is an excellent starter product developed to cater to the needs of consumers with none or less than perfect credit score. The online application process makes getting this card convenient. It comes with a variety of perks, including an advanced mobile app for budget management and no fees whatsoever.
Issued by WebBank, Salt Lake City, UT, Petal Visa Credit Card is a safe and secure visa card you can start using even without spending your hard-earned cash on a security deposit. The cash-back reward program is a perk that you will find quite beneficial, especially if you decide to use this card exclusively for your shopping.
Who Is This Card For?
This card is ideal for people who are on the lookout for an easy way to start building their credit. While the Petal Visa credit card is definitely a card from the "starter card" category, you will be surprised to find out that no security deposit is required. (See Secured Card with Security Deposit)
The online application process is easy to complete, and it won't take you more than a couple of minutes. The approval requirements are set low, but WebBank will factor in more metrics than just your FICO scores. The bank will also take into account your spending habits, income, and savings.
This card is also a good option for people interested in rewards programs. Petal Visa offers cash-back rewards programs to all customers approved for the card.
If you are struggling with your budget management, the Petal Visa card may readily use the card you were looking for. It offers a great money management app you can use to develop healthy and responsible spending habits.
For a starter card, Petal Visa Credit Card offers surprisingly many benefits to its cardholders. Let's start with a security deposit. This card comes with limited credit. Most of the cards from this category require an upfront cash deposit as collateral, which is approximately several hundreds of dollars. Petal Visa Credit Card comes with no security deposit required.
This card also offers a great rewards program. The cash-back rewards program is designed to keep you on course to improving your credit score. At the start, you will get access to a 1% cash-back rate. After six months of making on-time payments, the rate increases to 1.25%,, and after a year, you will get 1.5% cash-back on all your purchases.
As a Petal Visa cardholder, you won't have to worry about any fees, including the annual fee, the foreign transaction fee (see more offers), or late fee. Late payments won't trigger APR. The issuing bank makes money with interest charges and merchant transaction fees. However, you can avoid interest charges if you pay your bills on time.
Since there is no foreign transaction fee, this card can be your valuable travel companion. Keep in mind that it is a Visa card and that it's accepted worldwide.
Another great perk is the credit limit. With this credit card, you have chances to get a credit limit as high as $10,000. The credit limit is unique for each cardholder, and it's based on your creditworthiness.
When making a decision about which card to choose, you should also weigh the disadvantages. With the Petal Visa credit card, there are a few.
If you are in for cash-back rewards, you should know that there are better options if you have a solid credit score. Some other credit card issuers offer up to 3% cash-back bonuses.
Also, you won't be able to use this card for cash advances. These short-term small loans (check personal loans) are often very welcomed by consumers. Unfortunately, with this card, you can get it. And finally, the issuer doesn't allow cardholders to change the minimum payment due date.
Should You Use This Card?
With no fees and the ability to improve credit, and make cash while spending, this card can help you take control of your financial life and qualify for a better card down the line.
- No security deposit requirement
- High credit limit
- Dedicated smartphone app for budget management
- 1.5% cash-back program
- No fees
- No Intro bonus
- No cash advances
- No support for changing minimum payment due date
Rates & Fees
|Introductory APR (%):||N/A|
|Regular APR:||12.99% - 24.99%|
|Regular APR Type:||Variable*|
|APR on Cash Advances:||N/A|
|Grace Period:||21 days*|
|Late Payment Fee:||$0*|
Alternatives, Compare Petal Visa® Credit Card With Similar Offers
Petal Visa® Credit Card
12.99% -24.99% (Variable)*
Min. Credit Level
Bad Credit OK*