Credit card

Petal® 1 Rise Visa® Credit Card

Cash back

VISA

Apply for Petal® 1 Rise Visa® Credit Card

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Card review

Petal® 1 Rise Visa® Credit Card

4.4 8.8/10 DebitCue Score Verified Jun 20, 2026

The easiest Petal card to get — for those starting or rebuilding credit

Fee: $59 USD/yr
Purchase APR: 28.24% - 33.24%
Interest-free: 21 days
Foreign fee: None

Rewards

Earns 2%–10% cash back at select national merchants and local businesses through the Petal Offers program (card-linked deals in-app). No base cash back rate on general purchases. Over 500 merchant partners including national and regional brands.

Our verdict

What stands out, and where it falls short.

What we like

Earns 2%–10% cash back at select national merchants and…
No foreign transaction fees

Worth weighing

$59 USD/yr card fee
High interest if you carry a balance

Who It Is For

Whether the Petal® 1 Rise Visa® Credit Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the $59 USD/yr fee

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $59 USD/yr
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: $59
Late Payment Fee: Up to $40

Rewards and features

Rewards: Earns 2%–10% cash back at select national merchants and local businesses through the Petal Offers program (card-linked deals in-app). No base cash back rate on general purchases. Over 500 merchant partners including national and regional brands.
Pay with: Apple Pay, Google Pay, Contactless
Credit Limit Range: $300–$3,500 initially; increases available after 6 months
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 through the Leap program.

Eligibility

What you need before you apply.

Target Credit Profile: Limited, poor, or no credit history; easiest Petal card to get approved for
Card Issuer: WebBank (serviced by Tilt Card, Inc.)

Petal® 1 Rise Visa® Credit Card: your questions answered

How much does the Petal® 1 Rise Visa® Credit Card cost?

The Petal® 1 Rise Visa® Credit Card costs $59 USD/yr.

What rewards does the Petal® 1 Rise Visa® Credit Card earn?

The Petal® 1 Rise Visa® Credit Card earns Earns 2%–10% cash back at select national merchants and local businesses through the Petal Offers program (card-linked deals in-app). No base cash back rate on general purchases. Over 500 merchant partners including national and regional brands..

Does the Petal® 1 Rise Visa® Credit Card charge foreign transaction fees?

No - the Petal® 1 Rise Visa® Credit Card has no foreign transaction fees, so it suits spending abroad.

Is there an interest-free period on the Petal® 1 Rise 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 Rise Visa® Credit Card?

The Petal® 1 Rise Visa® Credit Card has a purchase APR of 28.24% - 33.24%.

Is the Petal® 1 Rise Visa® Credit Card a credit, debit or prepaid card?

The Petal® 1 Rise Visa® Credit Card is a credit card issued by Petal on the Visa network.

Does the Petal® 1 Rise Visa® Credit Card support Apple Pay and Google Pay?

Yes - the Petal® 1 Rise Visa® Credit Card works with both Apple Pay and Google Pay.

Where can I get the Petal® 1 Rise Visa® Credit Card?

The Petal® 1 Rise Visa® Credit Card is currently offered in United States.

How does DebitCue rate the Petal® 1 Rise Visa® Credit Card?

DebitCue rates the Petal® 1 Rise Visa® Credit Card 4.4 out of 5 (8.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Petal® 1 Rise Visa® Credit Card?

Use the Apply now button to continue on Petal's secure site. Comparing and applying through DebitCue is free.