Petal® 1 "No Annual Fee" Visa® Credit Card review: fees, rewards, APR and perks - DebitCue Skip to content
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Petal Credit card
Petal® 1 "No Annual Fee" Visa® Credit Card
Cash back
VISA
Apply for Petal® 1 "No Annual Fee" Visa® Credit Card

On Petal's secure site

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Credit card Petal Visa

Card review

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

4.7 4.7 out of 5 9.4/10 DebitCue Score Verified

Build credit with no annual fee and bonus cash back at select merchants

Fee
No fee
Purchase APR
28.24% - 33.24%
Interest-free
21 days
Foreign fee
None
Rewards
No base cash back on everyday purchases. Earns 2%–10% cash back at select national merchants through the Petal Perks/Offers program (card-linked offers visible in the Petal app). Merchant offers are personalized and rotate throughout the year.

Our verdict

What stands out, and where it falls short.

What we like

  • No base cash back on everyday purchases. Earns 2%–10%…
  • No card fee
  • No foreign transaction fees

Worth weighing

  • High interest if you carry a balance

Who It Is For

Whether the Petal® 1 "No Annual Fee" Visa® Credit Card fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • Frequent travelers
  • People who want rewards on their spending

Rates and fees

As of

All amounts shown in USD.

Card fee
No fee
Purchase APR
28.24% - 33.24%
Interest-free period
21 days
Foreign transaction fee
None
Purchase APR
28.24%–33.24% variable (as of January 5, 2026)
Annual Fee
$0
Late Payment Fee
Up to $29 (first late payment); up to $40 (subsequent)

Rewards and features

Rewards
No base cash back on everyday purchases. Earns 2%–10% cash back at select national merchants through the Petal Perks/Offers program (card-linked offers visible in the Petal app). Merchant offers are personalized and rotate throughout the year.
Pay with
Apple Pay, Google Pay, Contactless
Credit Limit Range
$300–$5,000
Cash Back Availability
Merchant offers only (2%–10%); no base cash back on general purchases

Benefits and perks

Extras that come bundled with the card.

  • Reports to all 3 credit bureaus
    Monthly reporting to Equifax, Experian, and TransUnion.
  • No foreign transaction fee
    0% foreign transaction fee on all international purchases.
  • Leap credit limit increase program
    Eligible cardholders can earn a credit line increase after 6 qualifying on-time payments.

Eligibility

What you need before you apply.

Target Credit Profile
No credit, thin file, or poor/fair credit; cash-flow underwriting used
Card Issuer
WebBank (serviced by Tilt Card, Inc.)

Petal® 1 "No Annual Fee" Visa® Credit Card: your questions answered

Does the Petal® 1 "No Annual Fee" Visa® Credit Card have a card fee?
No - the Petal® 1 "No Annual Fee" Visa® Credit Card has no card fee.
What rewards does the Petal® 1 "No Annual Fee" Visa® Credit Card earn?
The Petal® 1 "No Annual Fee" Visa® Credit Card earns No base cash back on everyday purchases. Earns 2%–10% cash back at select national merchants through the Petal Perks/Offers program (card-linked offers visible in the Petal app). Merchant offers are personalized and rotate throughout the year..
Does the Petal® 1 "No Annual Fee" Visa® Credit Card charge foreign transaction fees?
No - the Petal® 1 "No Annual Fee" Visa® Credit Card has no foreign transaction fees, so it suits spending abroad.
Is there an interest-free period on the Petal® 1 "No Annual Fee" Visa® Credit Card?
Yes - up to 21 days interest-free when you pay your balance in full by the due date.
What is the interest rate on the Petal® 1 "No Annual Fee" Visa® Credit Card?
The Petal® 1 "No Annual Fee" Visa® Credit Card has a purchase APR of 28.24% - 33.24%.
Is the Petal® 1 "No Annual Fee" Visa® Credit Card a credit, debit or prepaid card?
The Petal® 1 "No Annual Fee" Visa® Credit Card is a credit card issued by Petal on the Visa network.
Does the Petal® 1 "No Annual Fee" Visa® Credit Card support Apple Pay and Google Pay?
Yes - the Petal® 1 "No Annual Fee" Visa® Credit Card works with both Apple Pay and Google Pay.
Where can I get the Petal® 1 "No Annual Fee" Visa® Credit Card?
The Petal® 1 "No Annual Fee" Visa® Credit Card is currently offered in United States.
How does DebitCue rate the Petal® 1 "No Annual Fee" Visa® Credit Card?
DebitCue rates the Petal® 1 "No Annual Fee" Visa® Credit Card 4.7 out of 5 (9.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the Petal® 1 "No Annual Fee" Visa® Credit Card?
Use the Apply now button to continue on Petal's secure site. Comparing and applying through DebitCue is free.

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