Petal® 2 Visa® Credit Card Review

The card_name is designed for those with fair credit. This card comes with no fees and makes it easy for those who are looking to build their credit and earn cash back while doing so. You can earn a credit limit increase in as few as six months with responsible use. You start by earning 1% cash back, and after twelve months of responsible use, you can be upgraded to 1.5%. Petal has changed some customers from one credit card to another, so be aware of that before you apply. We dive into the details and your approval odds in this Petal 2 review.

Petal 2 Visa Card

Our Rating

4.5/5.0

Welcome Offer

N/A

Annual Fee

$0

0% on Purchases

N/A

Reward Rate

1% – 10%

0% on Balance Transfers

N/A

Features & Benefits

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

Rewards

1% cash back
All eligible purchases
1% cash back on eligible purchases right away
1.5% cash back
Select Categories
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments
2% cash back
Select Categories
2% - 10% cash back at select merchants

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR18.24% - 32.24% (V) APR

What Credit Score Is Required to Get the Petal® 2 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: 655

Average Approved Credit Score: 717

App StatusDateCredit ScoreBureauCredit Limit
Approved08/08/2022
710
Experian
$4,500
Approved07/25/2022
751
Experian
$2,500
Approved07/25/2022
777
Equifax
$2,500
Approved07/25/2022
780
TransUnion
$2,500
Approved07/02/2022
655
Equifax
$2,600
Approved07/02/2022
670
Experian
$2,600
Approved07/02/2022
677
TransUnion
$2,600

Pros & Cons

What Are the Best Alternatives?

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

Rating

4.5

Rewards Range

None

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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