Petal Visa® Credit Card

For People with
No Credit



The Petal Visa Credit Card is designed for the millions of Americans with limited or no credit, who are faced with the challenge of being approved for credit with no credit history.

Rather than checking the usual creditworthiness factors like a traditional credit card, such as credit scores and income, the Petal card will also check your current digital financial record by looking at your bank account, as well as other credit accounts. Petal wants to see how you make, save, and spend money, and it will use machine learning algorithms to determine whether or not you’re approved. The more accounts you connect, the better Petal can see your overall financial situation.

You’ll need to enter your bank account login details so Petal can view your account, which could make some people uncomfortable. Petal states that it uses a third party data provider to securely access your financial records, and it does not store your login credentials. You can learn more about connecting your bank account here.

For applicants who do have some credit history, Petal will also check credit reports in addition to bank accounts. This card is geared more towards people with limited or no credit, rather than bad credit. If you have bad credit, with a history of late payments or bankruptcy, you may not qualify.

The Petal credit card stands out for having no fees: no annual fee, no foreign transaction fee, no late fee, no over limit fee.

Cardholders may get a fairly high interest rate, with a range of of 14.99%–25.99% Variable, and carrying a balance with this card is not recommended. Instead, pay the full statement balance each month to avoid interest charges. This will also be good for building credit because you’ll be keeping your credit utilization low.

Petal actually encourages you to pay off your balance to avoid interest. On desktop or in the mobile app, it will show how much extra you’d have to pay if you choose to carry a particular balance from month to month, giving you a clear picture of how expensive that can be.

The Petal Visa comes with a credit limit of $500 to $10,000. Balance transfers and cash advances are not allowed. There are no spending rewards, like points or cash back.

You can earn Uber credits with this card through the Visa Local Offers program. Just add your Petal card to your account in the Uber app, and then you’ll see a message to activate Visa Local Offers. Complete the activation and you’ll be able to browse the participating merchants to find offers near you.

Card Quick Facts

Card Quick Facts

  • Designed for people with limited or no credit history
  • Must connect to bank account to determine creditworthiness
  • Visa Local Offers program to earn Uber credits
  • No fees: no annual fee, no late fee, no foreign transaction fee
  • Credit limit of $500 to $10,000

For People with
No Credit



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Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 14.99%–25.99% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit $500
Maximum Credit Limit $10,000
Free Credit Score No
Penalty APR None
Late Fee None
Returned Payment Fee None
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Visa Local Offers

    Earn Uber credits for spending at participating retailers. Add your Petal card to the Uber app and activate Visa Local Offers to enroll.

  • Interest Calculator

    See exactly how much interest you’ll have to pay if you choose to carry a balance from month to month.

  • Account Dashboard

    See your connected bank accounts from the Petal dashboard.

  • Zero Liability Protection

    You won’t be held responsible for unauthorized charges. Contact customer support immediately if you suspect fraud.

  • Auto Rental Collision Damage Waiver

    Decline the rental company’s own insurance to get coverage against collision damage and theft of eligible rental vehicles.

  • Roadside Dispatch

    When on the road, call for help finding emergency services like tow trucks, fuel delivery, jump starting, and more.

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