Petal Cash Back Visa® Card

  • 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
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Limited Credit, Fair Credit Personal $0 N/A N/A 14.99% - 25.99% Variable None


Quick Summary:
This card is intended for consumers, or "personal use" with a limited or short credit history. Rates may vary among applicants, however the lowest standard APR is 14.99%* and may be as high as 25.99%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid or limited credit record, with no recent negative marks on their report. A FICO credit score of 620 to 799 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any WebBank product.

Other Basics:
This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment (subject to available credit).

Other Remarks:

Petal is an introductory credit card with a platinum limit. It uses machine learning to give you high limits, low rates and does not charge you a fee of any kind. Instead of just looking at your credit score, Petal looks at the money you make and the bills you pay to help you qualify. This means you can be approved, even if you've never had a credit score.



Approval Rate:
There were 2 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 100% of those applicants were approved.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 620 to 799, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
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