Petal 1 Visa Card

The card_name is designed for those looking to improve their credit score. It’s available to those with low to fair credit and limited cash flow. No security deposit is required, and there are no annual fees. In addition, you can earn between 2% and 10% cash back at select merchants. When you apply for a Petal card, you fill out an application and Petal decides which card is right for you. Petal reports to all three credit bureaus. We dive into the details and your approval odds in this "No Annual Fee" Visa® Credit Card review.

Petal 1 Credit Card

Our Rating

4.5/5.0

Welcome Offer

Earn a credit limit increase in as little as 6 months.

Annual Fee

$0

0% on Purchases

Reward Rate

None

0% on Balance Transfers

Welcome Offer

N/A

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability
Contactless PaymentsApple Pay, Google Pay, Samsung Pay
BenefitsPurchase Protection, Visa Local Offers
Travel PerksAuto Rental Collision Damage Waiver, Roadside Assistance

Rewards

2% cash back
Select Categories
2% - 10% cash back at select merchants
10% cash back
Select Categories
2% - 10% cash back at select merchants

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeN/A
Regular APR25.24% - 34.74% (V) APR

What Credit Score Is Required to Get the Petal® 1 "No Annual Fee" Visa® Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 610

Average Approved Credit Score: 633

App StatusDateCredit ScoreBureauCredit Limit
Approved12/05/2023
610
Experian
$3,500
Approved03/17/2023
656
Experian
$1,000

Pros & Cons

Pros
  • No annual fee
  • Can help build credit
Cons
  • No welcome bonus
  • No rewards

What Are the Best Alternatives?

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

Rating

4.6

Rewards Range

1% - 10%

Annual Fee

$0

Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card

Rating

4.4

Rewards Range

1.5%

Annual Fee

$39

Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card

Rating

4.4

Rewards Range

1.25x miles to 5x miles

Annual Fee

$0

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