Petal Cash Back Visa® 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. Petal Card is issued by WebBank, Member FDIC.

Rather than only checking the usual creditworthiness factors like a traditional credit card, such as credit scores and income, WebBank, the lender that backs the Petal card, may also check your current digital financial record by looking at your bank account. WebBank 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.

You may be asked to enter your bank account login details so the issuing bank can view your account, which could make some people uncomfortable. You can learn more about linking your bank account here.

WebBank will also check credit reports in addition to bank accounts, which will be helpful for applicants with some credit history. 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’ll likely 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. (An APR of 14.99 - 25.99% Variable applies)

You’ll get an interesting rewards program, one that rewards you for paying on time. You’ll earn 1% cash back on purchases initially; after 6 on-time monthly payments that increases to 1.25% cash back; and after 12 on-time monthly payments it increases to 1.5% cash back. Once you reach a higher cash back level, you’ll get that rate permanently — even if you end up making a late payment, but you will only be able to redeem rewards if your account is in good standing.

Cardholders may get a fairly high interest rate, with a range 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.

The Petal mobile app shows 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.

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

  • Up to 1.5% cash back after making 12 on-time monthly payments
  • 1% cash back on purchases right away
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology can help applicants without credit history get approved.
  • $500 – $10,000 credit limits
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you’re pre-approved within minutes without impacting your credit score.
  • Petal reports to all 3 major credit bureaus
  • No deposits required.
  • Card issued by WebBank, Member FDIC.

For People with
No Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 1% cash back on purchases initially
  • 1.25% cash back on purchases after 6 on-time payments
  • 1.5% cash back on purchases after 12 on-time payments
Card Stats

Card Stats

Annual Fee None
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 14.99 - 25.99% Variable
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee None

Card Benefits

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

  • Set Your Spending Limit

    Help track your spending by setting notifications to alert you when you reach a certain amount each month.

  • 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.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 10 reviews
by JJ
No Issues

What a great experience to date. I was approved within 24 hours and quickly received the card. I've been using it frequently without issues and appreciate the monthly cash back earned email. I would highly recommend this card.

by Petal is trash
Petal is trash, even for credit builders

This was one of my first larger cards so I was happy about that. I decided to use it heavily as an all around expense card. But I would pay it down to zero each month. The main problem is petal is iffy at best when it comes to reporting to bureaus. My report has been stuck at an 85% utilization for three months when actual balance is zero. From this point on the card will go unused. I would close the card but that would hurt history.If I ever get the “freeze” email they can keep it frozen.

by Not Unintelligible
For All The Skeptics (Which seems like everyone)

Petal is an ONLINE BANK. Due to them being an online bank theres only so many ways they could verify you are who you say you are. Otherwise anyone could take basic information and set up an account in your name and potentially ruin your credit score. Them asking for a selfie with your id(which has never happened to me) is not uncommon for new age businesses, but people seem to be too ignorant to understand that not once will you ever see a teller or a banker to know if you are who you are.Petal is a great credit account to have, except for the amount of time it takes for an online payment to process.

by RG
Don't do it!

Do not get a Petal cards. It seems great at first. You have no credit, so you apply for a card that says that they do not go by credit scores and thus does not hurt your credit score (they check bank account info instead of credit bureaus). You get approved, get your card, then for no reason, you get an email saying:"We’ve detected some unusual activity on your Petal card account. To keep your account safe, we’ve frozen your account and purchases can no longer be made with your card. To unfreeze your account, please verify your information by: Sending us a picture of yourself (a selfie) holding your valid government issued ID or passport next to your face; AND Linking your primary bank account (where you get your paychecks) to your Petal account. *Note - manually adding an account and routing number to your account will not satisfy this requirement. "But your bank is already linked and when you ask what the "unusual activity" was, they do not know. Then you do a quick Google search, and realize that it seems like every Petal customer received this email.Super fishy, phishy, scammy, and at best unprofessional.So, I either email a picture of my face and ID, for an account that was frozen for no reason, or I close the account and hurt my credit score.I also had major problems linking my PayPal card, the card I applied with because I do not a have a bank account. My PayPal Card account was good enough to get the card, but then when I tried to pay with my link PayPal account, it would say payment processed, show my new adjusted balance, and the a few days late say the payment did not go through. When I would call, they said everything was OK, account was linked. So then had to open a free online bank account (but only one of the few Petal links to that also has to link worth PayPal so that I could deposit money to then pay Petal)....ARGE...I am stressing myself out.Do not do it.

by Natalie

All was great with my card at first (I've had it a little over two months), but last week I got an email saying my account had been frozen due to "suspicious activity" I hadn't done anything out the ordinary that day and just used my card to pay for items at work, which I do every day. It asked me to send a selfie with a picture of my government issued ID and then connect my bank account, or send a picture with my passport, the last three payslips and my W2. Red flags were popping up in my head. I called the number in the email, which is the same as the number on the back of the card and they confirmed that they had frozen all accounts until this informed was sent. The customer service was very unhelpful, I asked why they had frozen my account, why they need a picture of me with my ID, and I told them it all sounds really dodgy. They couldn't answer any of my questions. I googled them and it seems this has happened with EVERYONE. Needless to say i'm going to pay my remaining balance and close my account with them and go with a more well known/established brand.

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