- 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
- 16.74% - 30.74% (Variable)
- Annual Fee
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 16.74% - 30.74%
- 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
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank
- Cash Back
- Fair Credit
- No Annual Fee
- No Foreign Transaction Fees
3.9 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.