- Reward Rates
- 1.5%Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1%1% cash back on eligible purchases right away.
- Balance Transfers Intro APR
- Purchases Intro APR
- Regular APR
- 12.99% - 26.99% (Variable)
- Annual Fee
- 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
4.2 out of 5
Our take: The Petal 2 offers a low entry barrier and the opportunity to earn cash back and avoid fees while building your credit, but you could face a high APR.