Petal® 1 "No Annual Fee" Visa® Credit Card
Cash back
Petal® 1 "No Annual Fee" Visa® Credit Card
Petal - Visa - Credit card
4.7
4.7 out of 5
9.4/10
Apply now
Head-to-head
Petal® 1 "No Annual Fee" Visa® Credit Card vs Upgrade Cash Rewards Visa®
Compare Petal® 1 "No Annual Fee" Visa® Credit Card and Upgrade Cash Rewards Visa® side by side: fees, rewards, APR, and perks.
Last verified
Upgrade Cash Rewards Visa®
Cash back
Upgrade Cash Rewards Visa®
Upgrade - Visa - Credit card
4.6
4.6 out of 5
9.2/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Petal® 1 "No Annual Fee" Visa® Credit Card | Upgrade Cash Rewards Visa® |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 28.24% | 14.99% |
| Interest-free period | 21 days | - |
| Foreign transaction fee | 0% | 3% |
| 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. | Unlimited 1.5% cash back on all purchases, earned when you pay back your balance. No category restrictions. |
| Installments | - | Each purchase is converted into a fixed-rate, fixed-term installment loan (closed-end loan structure); you choose repayment term. AutoPay available. |
| No card fee | ||
| No foreign transaction fee | - | |
| Welcome bonus | - | |
| Airport lounge access | - | - |
| Travel insurance | - | - |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Petal® 1 "No Annual Fee" Visa® Credit Card if its checked rows above line up with how you spend most.
- Choose the Upgrade Cash Rewards Visa® if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
Want a different match-up?
Line up any two cards side by side, or browse the full list to find your next card.