Card
Network

Visa
Bank

WebBank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Fair/Bad/Limited/No Credit
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

$0 Annual Fee

CARD DETAILS

  • $0 Annual Fee
  • 2% - 10% cash back from select merchants
  • $500 - $5,000 credit limits
  • Variable APRs 19.99 - 29.49% APR
  • No annual or international transaction fees. Late and returned payment fees may apply
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • 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
+ Pros
  • No annual fee.
  • Good for building credit.
  • Reasonable credit limits and competitive rates.

PURCHASES

Intro
APR

N/A
Ongoing
APR

19.99 - 29.49% Variable
Penalty
APR

See terms
Minimum Grace
Period

See terms
Minimum Interest
Charge

See terms

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

See terms
Balance Transfer
Fee

N/A
Penalty
APR

See terms
Minimum Grace
Period

See terms

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

N/A
Cash Advance
Fee

N/A
Penalty
APR

See terms
Minimum Grace
Period

See terms

GENERAL FEES

Application Processing
Fee

$0
Annual
Fee

$0
Foreign Transaction
Fee

$0
Late Payment
Fee

Late fees up to $29 for first late payment, $40 for second late payment.
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