Credit card

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Cash back

VISA

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Card review

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

4.6 9.2/10 DebitCue Score Verified Jun 20, 2026

All rewards, no fees — the credit card that pays you back

Fee: No fee
Purchase APR: 28.24% - 30.24%
Interest-free: 21 days
Foreign fee: None

Rewards

1% cash back on all purchases from card activation; escalates to 1.25% after 6 on-time monthly payments and 1.5% after 12 on-time monthly payments. Bonus 2%–10% cash back at select national merchants via Petal Offers (card-linked deals visible in-app).

Our verdict

What stands out, and where it falls short.

What we like

1% cash back on all purchases from card activation;…
No card fee
No foreign transaction fees

Worth weighing

High interest if you carry a balance

Who It Is For

Whether the Petal® 2 "Cash Back, No Fees" 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 June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 28.24% - 30.24%
Interest-free period: 21 days
Foreign transaction fee: None
Purchase APR: 28.24%–30.24% variable (as of January 5, 2026)
Annual Fee: $0

Rewards and features

Rewards: 1% cash back on all purchases from card activation; escalates to 1.25% after 6 on-time monthly payments and 1.5% after 12 on-time monthly payments. Bonus 2%–10% cash back at select national merchants via Petal Offers (card-linked deals visible in-app).
Pay with: Apple Pay, Google Pay, Contactless
Credit Limit Range: $300–$10,000
Cash Back Redemption: Statement credit, check ($20 minimum), or ACH transfer ($20 minimum)

Benefits and perks

Extras that come bundled with the card.

Reports to all 3 credit bureaus

Monthly reporting to Equifax, Experian, and TransUnion helps build credit history.
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 without a hard credit pull.

Eligibility

What you need before you apply.

Credit Check: Soft pull for pre-approval; hard pull only on formal application
Card Issuer: WebBank (serviced by Tilt Card, Inc.)

Petal® 2 "Cash Back, No Fees" Visa® Credit Card: your questions answered

Does the Petal® 2 "Cash Back, No Fees" Visa® Credit Card have a card fee?

No - the Petal® 2 "Cash Back, No Fees" Visa® Credit Card has no card fee.

What rewards does the Petal® 2 "Cash Back, No Fees" Visa® Credit Card earn?

The Petal® 2 "Cash Back, No Fees" Visa® Credit Card earns 1% cash back on all purchases from card activation; escalates to 1.25% after 6 on-time monthly payments and 1.5% after 12 on-time monthly payments. Bonus 2%–10% cash back at select national merchants via Petal Offers (card-linked deals visible in-app)..

Does the Petal® 2 "Cash Back, No Fees" Visa® Credit Card charge foreign transaction fees?

No - the Petal® 2 "Cash Back, No Fees" Visa® Credit Card has no foreign transaction fees, so it suits spending abroad.

Is there an interest-free period on the Petal® 2 "Cash Back, No Fees" 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® 2 "Cash Back, No Fees" Visa® Credit Card?

The Petal® 2 "Cash Back, No Fees" Visa® Credit Card has a purchase APR of 28.24% - 30.24%.

Is the Petal® 2 "Cash Back, No Fees" Visa® Credit Card a credit, debit or prepaid card?

The Petal® 2 "Cash Back, No Fees" Visa® Credit Card is a credit card issued by Petal on the Visa network.

Does the Petal® 2 "Cash Back, No Fees" Visa® Credit Card support Apple Pay and Google Pay?

Yes - the Petal® 2 "Cash Back, No Fees" Visa® Credit Card works with both Apple Pay and Google Pay.

Where can I get the Petal® 2 "Cash Back, No Fees" Visa® Credit Card?

The Petal® 2 "Cash Back, No Fees" Visa® Credit Card is currently offered in United States.

How does DebitCue rate the Petal® 2 "Cash Back, No Fees" Visa® Credit Card?

DebitCue rates the Petal® 2 "Cash Back, No Fees" Visa® Credit Card 4.6 out of 5 (9.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Petal® 2 "Cash Back, No Fees" Visa® Credit Card?

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