• APR: 3.5/5
  • Late fee: 5/5
  • Credit limit: 5/5
  • Minimum credit score: 4/5
  • Rewards: 5/5
  • Ease of signup: 5/5
  • Mobile app: 5/5

Honest Petal 2 Credit Card Reviews [Features, APR, Fees]

  • APR: 3.5/5
  • Late fee: 5/5
  • Credit limit: 5/5
  • Minimum credit score: 4/5
  • Rewards: 5/5
  • Ease of signup: 5/5
  • Mobile app: 5/5

Best For

Best for People With Poor or Non-existent Credit


  • No deposits required
  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee
  • No credit score? No problem. If eligible, Petal will create your Cash Score instead


  • Does not offer balance transfers, nor the opportunity for cash advances
  • Does not offer intro APR

Looking for a credit card with no fees and decent cashback? Welcome to the Petal Credit Card. Skip hours researching Petal 2 Credit Card reviews, because in this article I will go through all the features of the Petal 2 Credit Card, as well as how the Petal Card stacks up against similar competitors on the market.

What Is the Petal 2 Credit Card, and How Does It Work?

The Petal 2 Cashback, No Fees” Visa Credit Card is the perfect credit card for people with no credit history or an average credit score. When I first started researching this credit card, I could immediately tell it had a lot of perks for people who might not be eligible for major cards; I read a ton of Petal Credit Card reviews that back up this assumption.

With the Petal 2 Credit Card, you get the premium experience of collecting gratuitous rewards and getting cashback, all while paying absolutely no fees. In addition, this credit card does not require a security deposit (similar to the Indigo Credit Card we also reviewed). All of this might sound too good to be true, but it isn’t! However, not everyone can qualify for a Petal 2 Credit Card. According to user reviews, if you’ve filed for bankruptcy within 48 months, your Petal Card application will be declined.

Main Features

In this Petal Card review, I’ll explain all of the card’s biggest attributes. The Petal 2 Credit Card offers a slew of beneficial features such as no annual fee, no over-limit fee, no security deposit, and great cashback rewards. The best thing that makes this a great credit card option for people who have little to no credit history and an average credit score is that they report back to the three major credit bureaus on all your on-time payments, thus making your credit score go up.

Regular APR

The Petal 2 Credit Card has an ongoing APR variable of 15.99% – 29.99%. However, according to Petal Card reviews, there is no introductory APR offer, meaning you won’t get a promotional interest rate on your first couple of months.

Foreign transaction fee

With the Petal Card, you get the perk of paying no foreign transaction fees on any international purchases.

Minimum credit score

To apply and be approved for a Petal 2 Credit Card, your credit score can range from nonexistent to excellent. According to reviews, the highest acceptance rate is for those with a credit score between 630 and 850.

Credit limit

In this Petal Credit Card review, you’ll be pleased to hear that Petal has a great credit limit. You get a credit limit of $300 all the way up to $10,000, which depends on your creditworthiness. Petal Credit Card also offers the Petal Leap program that sometimes lets possibilities for a credit limit increase.

Credit check

Petal does a soft credit check in its pre-approval process. This is great because it does not affect your credit score. After being pre-approved, Petal will do a hard credit check which may hurt your credit score if you’re not fully eligible.


After doing in-depth research on the rewards system and reading a few Petal Visa Credit Card reviews, I came to find that the Petal 2 Credit Card uses a tiered cashback rewards program. This is a great way to encourage people to make monthly payments on time! With the Petal Card, you can receive rewards such as:

  • The gradual building of cashback from 1% up to 1.5% on all purchases.
  • Payments were reported to the three major credit reporting agencies (For more impact on credit, try getting a credit builder loan).
  • Visa partnership perks such as auto rental collision insurance, Uber credits, theft coverage, roadside dispatch, and more.

Mobile app

I’ll end this portion of my Petal Card review with great news for all smartphone users that love online banking. The Petal Credit Card has a specialized mobile app for both Apple and Android users, through which you can access account management and budgeting tools in a contemporary and minimalist design.

Feature Rating
APR 3.5/5
Foreign transaction fee 5/5
Minimum credit score 5/5
Credit limit 5/5
Credit check 4/5
Rewards 5/5
Mobile app 5/5


According to Petal Visa Credit Card reviews and Petal’s official website, to be eligible for a card, you must be a citizen of the U.S. You must also have a valid Social Security number or a Taxpayer Identification Number. Petal does not evaluate eligibility only based on a credit score; instead, Petal uses an algorithm that takes into consideration your spending habits, income, and savings. To prove these numbers, you will have to link your bank account, but no worries: Petal requires read-only access, not actual login credentials.

According to various Petal 2 Credit Card reviews, Petal’s sign-up process is very straightforward and can be done completely online.

  1. Go to petalcard.com and click “Start Applying” to begin the application process.
  2. Submit your personal information for pre-approval.
  3. After being pre-approved, you can choose which card to go for: Petal 1 vs Petal 2. Petal uses the information you’ve already provided and does not require additional information for your application
  4. If completely approved, you will receive an email with information regarding your new Petal Card, including your credit limit and APR. If your credit card application is denied, you will also be notified via email.
  5. While waiting for your card to arrive, don’t forget to set up your Petal account by going to petalcard.com/setup.

Customer Support

Petal’s customer support can be reached via email at support@petalcard.com, or you can call 1-855-697-3825. Their customer service team is available 24/7 for all inquiries, and according to Petal Credit Card reviews, customers have expressed positive feedback with their services.


Credit card Win Lose Best for
Petal 1 Credit Card People with fair, poor, or no credit at all are eligible to apply. Limited rewards. People with poor or non-existent credit.
Discover It Secured Credit Card

You can read our full review of the Discover It Secured Credit Card here

0% intro APR for the first 14 months Minimum deposit of $200 Building or rebuilding credit
Citi Double Cash Card 2% cashback on purchases $25 minimum redemption People looking for a flat-rate rewards card

The Petal 2 Credit Card is a great option for people with average or fair credit looking to improve their score without using actual credit repair companies. There’s a lot to compare when we compare Petal 1 vs Petal 2, but both products take into consideration more than just a person’s FICO score.

Is the Petal 2 Visa Credit Card Worth It?

With the Petal 2 Credit Card, you’ll be sure to collect great rewards such as getting 1% to 1.5% cashback, all while paying absolutely no fees. The Petal Card does not require a security deposit and has a credit limit between $300 and $10,000. This is an amazing offer according to many online Petal Card reviews.


Is Petal a good credit card?

Yes! The Petal 2 “Cashback, No Fees” Visa Credit Card is highly praised and a great beginner credit card. The Petal Card offers cash back up to 1.5% and requires no annual fee, no security deposit, and is very travel-friendly.

Is Petal Card legit?

100%. the Petal 2 “Cash Back, No Fees” Visa Credit Card is legitimate. The Petal Card is offered in partnership with WebBank which is an FDIC-insured, Utah-based bank. The Petal Card is also unconventional because it accepts people based on lmultiple factors as opposed to just considering their FICO score.

Is Petal Card safe?

According to multiple Petal 2 Credit Card reviews, as well as researching all the pros and cons of the card, I can state that the Petal Card is 100% safe. It’s backed by WebBank, and the Petal company offers 24/7 customer support as well.


I learned a lot about finance after working for a digital marketing company specializing in investing and trading stocks, forex, etc. After that, I got exposed to other verticals such as wealth management and personal finance, which further improved my understanding of the financial world.