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Petal® 2 Cash Back, No Fees Visa® Card

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The Petal 2 Visa Credit Card offers cash back on every swipe and a solid credit line for new borrowers. This starter card may be a good choice if you have limited or no credit history; you may be asked to link your bank account so WebBank, the lender that backs the card, can see how you handle your money and decide whether to approve you. You can earn up to 1.5% cash back after making 12 on-time monthly payments.

Our rating
Min. credit level: Limited Credit History
Annual Fee: $0
Regular APR: 12.99 - 26.99% Variable

Petal® 2 Cash Back, No Fees Visa® Card

Our rating
Limited Credit History Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


Spending Rewards
  • 1% cash back on eligible purchases initially
  • 1.25% cash back on eligible purchases after 6 on-time payments
  • 1.5% cash back on eligible purchases after 12 on-time payments

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 None
Returned Payment Fee None
Additional Cards Annual Fee N/A
Foreign Transaction Fee $0
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
Petal® 2 Cash Back, No Fees Visa® Card


  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments
  • 1% cash back on eligible purchases right away
  • 2% – 10% cash back at select merchants
  • $500-$10,000 credit limits
  • Variable APRs 12.99%-26.99%
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • 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


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 2 “Cash Back, No Fees” 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 2 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 (try the Petal® 1 No Annual Fee Visa® Card (Review) instead).

The Petal 2 credit card stands out for having almost no fees: no annual fee, no foreign transaction fee, no late fee, no over limit fee. (An APR of 12.99 - 26.99% Variable applies, so you’ll be charged interest if you carry a balance.)

You’ll get an interesting rewards program, one that rewards you for paying on time. You’ll earn 1% cash back on purchases initially; 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.

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. Instead, aim to pay off your statement balance in full each month.

The Petal 2 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.

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