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

Credit reporting card with cash back rewards and no fees

Updated: Sep 11, 2022

Advertiser Disclosure

Petal 2 Visa issued by WebBank is a great credit card for people who have Excellent, Good, Limited, or No Credit history at all and want to get a solid unsecured card with cashback as well as credit reporting features. With additional perks, such as easy money management tools, this card can help consumers regain control over their financial lives. The online application is quick and easy to complete, followed by a swift response. Great benefits, including a cash-back rewards program, no fees whatsoever, and a high line of credit make this card one of the best Low-Interest Rate Pre-approval offers on the market.




12.99% - 26.99% Variable



261 User Ratings

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

at WebBank Secured website

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Introductory APR


Intro APR Period


Recommended Credit Score


Key Features

  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cashback after making 12 on-time monthly payments
  • 1% cashback 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 Cardmembers
  • 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

The Petal 2 “Cash Back, No Fees” Visa Credit Card is an excellent starter product developed to cater to the needs of consumers with all credit ratings. 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 2 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 the Petal 2 Card For?

  • This card is ideal for people who are on the lookout for an easy way to start earning a lot of rewards. While the Petal 2 Visa credit card helps you budget and control your spendings while building credit, 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 pre-approval requirements are average, 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 a good option for people interested in cashback rewards programs. Petal 2 Visa credit card offers up to 1.5% cash-back to all customers approved for the card.
  • If you are struggling with your budget management, the Petal 2 Visa is here to help, too. It offers a great money management app to help you develop healthy and responsible spending habits.

What are the Petal 2 Visa Benefits?

  • The Petal 2 Visa Credit Card offers surprisingly many benefits to its cardholders. Let’s start with a security deposit. Even though it is designed for those with Limited or No Credit applicants, too, the Petal 2 “Cash Back, No Fees” card comes with no security deposit required – it’s an unsecured starter credit card.
  • 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 12 months of making on-time payments, the rate increases to 1.5% cash-back on all your purchases.
  • As a Petal 2 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 high credit line. 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.

Are there any Disadvantages?

  • When making a decision about which card to choose, you should also weigh the disadvantages. With the Petal 2 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 or even more.
  • 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 not get it. And finally, the issuer doesn’t allow cardholders to change the minimum payment due date.

Should You Use the Petal 2 Card?

You should definitely consider choosing this card if you what to get-preapproved without affecting your credit score and have a Limited or No Credit History and want help to build one. The bank behind the card is trustworthy and has transparent terms of use and pricing policies. 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.

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Basic Information
Issuer: WebBank
Network: VISA®
Category: Consumer (Regular)
Best Used For:
  • Low Interest Rate
  • No Foreign Transaction Fee
  • Unsecured
  • Building Credit
  • Pre-Qualification
Rewards: Yes
Reward Types:
  • Cash Back Rewards
  • Other Rewards
  • Universal Rewards
Reward Units: Cash
Rates & Fees
Regular APR: 12.99% - 26.99%
Regular APR Type: Variable
Annual Fee: $0
Balance Transfer: No
Grace Period: 21 days
Late Payment Fee: $0
Other Fees:
  • No fees whatsoever.

Petal® 2 'Cash Back, No Fees' Visa® Credit Card Alternatives

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

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


Annual Fee


Regular APR


Intro APR


Rec. Credit Score


Additional Information & Comments

Q: Is Petal Card legit?
A: Petal Visa Credit Card is one of the best starter credit cards currently available on the market. The Petal Visa card offers cash back rewards, low-interest rates for those who qualify and accepts applications from people with limited credit history. The card is the ideal option to build credit and it doesn't have any fees.

Q: What is recommended Credit to apply for Petal Card??
A: The recommended credit is - Good/ Fair Credit. People with Excellent credit can get approved too.

*The information provided for Petal® 2 'Cash Back, No Fees' Visa® Credit Card is believed to be accurate at the time of evaluation or recent update on September 11, 2022. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

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

Reviews - (1 User Reviews)
Share your experience and rate the Petal® 2 'Cash Back, No Fees' Visa® Credit Card
August 11, 2020
Lara W. (26-35) - Cardholder
Income on Application
Credit Score
Fair (580-669)
Credit Limit
Filed for Bankruptcy

Love this card!

It’s been nearly a year since I applied for this card (application took less than a minute, and I had a 620 score back then), and I couldn’t be happier. NO FEES whatsoever! Literally nothing – not even late fees! I’ve never been late with my payments, though, as I got the card to improve my credit. So far, so good on that front. I love the cashback rewards too! I actually started noticing them after I increased my credit limit to $1,000. They won’t make you rich, but they can come in handy after a while. I usually use mine for traveling – and I don’t pay any fees abroad either! Highly recommend this card to everyone!
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Petal® 2 'Cash Back, No Fees' Visa® Credit Card

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

Rec. Credit Score: Fair

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