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Petal® 1 No Annual Fee Visa® Card

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The Petal 1 “No Annual Fee” Visa® Credit Card is designed for those looking to build or rebuild their credit scores, offering a high credit line even if you’re dealing with low credit scores. You can earn 2%–10% cash back at select merchants and you won’t pay annual or foreign transaction fees. Just beware the high APR.

Our rating
Min. credit level: Bad
Annual Fee: $0
Regular APR: 19.99%–29.49% Variable

Petal® 1 No Annual Fee Visa® Card

Our rating
Bad Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee $29
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
  • No Foreign Transaction Fee
Petal® 1 No Annual Fee Visa® Card


  • $0 Annual Fee
  • $300 – $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • 2% – 10% cash back at select merchants
  • Variable APRs range from 19.99% – 29.49%
  • See if you’re pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal Card members.
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC


Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-855-697-3825 or

Try a different phone number

The Petal 1 credit card aims to bring the prime experience to borrowers with limited credit history; it’s a card designed for consumers with poor to average credit scores, or no credit history at all.

You can get 2%–10% cash back from select merchants, a credit limit up to $5,000, and you can see if you’re pre-approved in minutes without affecting your credit scores. One downside is the rather high variable APR, but that shouldn’t be an issue if you’re paying the full statement balance each month to avoid interest.

Issued by WebBank, Member FDIC, this card doesn’t have any extravagant benefits but it does report to the three major credit bureaus and can help you build credit if you use it responsibly.

This card has no annual or foreign transaction fees, and doesn’t permit balance transfers or cash advances.

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