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Petal 1 Visa® Credit Card

Petal 1 Visa® Credit Card was ranked on Money.com as one of this year's top credit cards. Read more from nationally recognized credit card expert, Jason Steele or see if you qualify by clicking "Apply Now" below.
Best for
Building credit with low score
Our Partner
See Rates & Fees | Terms Apply

Petal® 1 "No Annual Fee" Visa® Credit Card

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Intro Bonus
n/a
Annual Fee
$0
Credit Level
no credit to fair
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From
The Expert
Jason Steele
Why Apply?
A new kind of credit card for those with no established credit history or less-than-ideal credit histories. You can also earn rewards of up to 10% cash back from select merchants.
I Think You'll Love
Building credit with no annual fee and cash back at select merchants.
Pros
  • New technology may help applicants without credit history get approved.
  • Credit limits between $300 and $5,000.
  • 2% - 10% cash back from select merchants.
  • No annual fee.
Cons
  • No rewards for spending at most merchants.
ABOUT THIS CARD

If you’re trying to build or rebuild your credit, then the new Petal® 1 "No Annual Fee" Visa® Credit Card may be for you. The issuers of the Petal® card rely on new techniques to offer credit to those who are new to credit, building, or rebuilding their credit scores. Yet the Petal® 1 "No Annual Fee" Visa® offers credit limits between $300 and $5,000, with no annual fee, no security deposit and no foreign transaction fees. 

The Petal® 1 "No Annual Fee" Visa® card reports your payment history to all three major consumer credit bureaus. So when you make your payments on-time and carry little, if any new debt, most credit card users are able to see significant improvement in their credit scores within one year. Petal® also offers a mobile app that makes it easy to manage your money, track your spending, and automate payments.  If you’re considering applying for this card, you can see if you're pre-approved within minutes without affecting your credit score. Cardholders can also get up to 2% - 10% cash back from select merchants.

If improving your credit is one of your priorities, then the Petal® 1 "No Annual Fee" Visa® card is one of the least expensive ways to get started. 

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4 things informed consumers need to know:
  1. Get enough credit cards to keep the balance on each one below 30% of its limit.
  2. Pay on time, use cards sparingly and keep your accounts open.
  3. Don’t apply for too many cards at once. Do 1 today, again in 6 months, etc.
  4. More cards mean a wider variety of points and benefits.
Jason steele
The Expert
Jason Steele

Analysis is brought to you by nationally recognized credit card expert Jason Steele, who has appeared in publications such as:

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Details and conditions for each credit card offer are available on the online credit card application page. Our team makes reasonable efforts to ensure the information on our page is accurate, but this information is presented without warranty and some of the offers on this page may no longer be available through our site. You can click on the “Learn More” or “Apply Now” button for each credit card offer to continue to the issuer’s web site and review the terms and conditions on their site. Offers, details, and other information is subject to change, and the terms displayed may not be available to all consumers. ConsumersAdvocate has partnered with CardRatings for some of our credit card offerings. ConsumersAdvocate and CardRatings may receive a commission from card issuers.

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.