Petal 1 Visa Card
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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.
Our Rating
4.5/5.0
Welcome Offer
Earn a credit limit increase in as little as 6 months.
Annual Fee
$0
0% Intro on Purchases
Reward Rate
None
0% Intro on Balance Transfers
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability |
| Contactless Payments | Apple Pay, Google Pay, Samsung Pay |
| Benefits | Purchase Protection, Visa Local Offers |
| Travel Perks | Auto Rental Collision Damage Waiver, Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | N/A |
| Regular APR | 29.24% - 34.24% (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 Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 12/05/2023 | Experian | ||
| Approved | 03/17/2023 | Experian |
Pros & Cons
- No annual fee
- Can help build credit
- No welcome bonus
- No rewards
What Are the Best Alternatives?
Petal® 2 Visa® Credit Card
Rating
4.5
Rewards Range
1% - 10%
Annual Fee
$0
Capital One QuicksilverOne Cash Rewards Credit Card
Rating
4.4
Rewards Range
1.5%
Annual Fee
$39
Capital One VentureOne Rewards Credit Card
Rating
4.4
Rewards Range
1.25x miles to 5x miles
Annual Fee
$0