Home / Business Credit Cards / Petal® 1 “No Annual Fee” Visa® Credit Card (Consumer Credit Card)

Advertiser & Editorial Disclosure

Petal® 1 “No Annual Fee” Visa® Credit Card (Consumer Credit Card)

Petal® 1 “No Annual Fee” Visa® Credit Card (Consumer Credit Card)

Apply Now

$0 Annual Fee |Variable APRs range from 24.99% - 34.49%. $300 - $5,000 credit limits. Earn a credit limit increase in as little as 6 months. Terms and conditions apply. No credit score? No problem. If eligible, we'll create your Cash Score instead. 2% - 10% cash back at select merchants. See if you're pre-approved within minutes without impacting your credit score. No annual or foreign transaction fees. Build credit alongside hundreds of thousands of Petal card members. Petal's mobile app makes it easy to manage your money, track your spending, and automate payments. Petal reports to all 3 major credit bureaus. No deposits required. Card issued by WebBank, Member FDIC.

Nav's Verdict

Cost

HighLow

Effort to Apply

DifficultEasy

Card Perks

PoorGood

Features

PoorGood

6/10

Bottom Line

A good no-fee option for those that are new to credit.

Pros

No fees! Those with thin to no credit file can be accepted based on Cash Flow underwriting alone. Earn elevated rewards on spending with certain merchants.

Cons

Unavailable to those with bad credit.

Apply Now

Intro APR

N/A

Purchase APR

24.99% - 34.49% Variable

Annual Fee

$0

Welcome Offer

N/A

Rewards Rate

2% - 10% cash back at select merchants.

Foreign Transaction Fee

N/A

Reviews

Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.

Advertising Disclosure

The credit card, financing and service products that appear on this site are from credit card, financing and service companies from which this site receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card, financing and service products or all available credit card, financing and service products. All images and trademarks are the property of their respective owners. Editorial and review content is the property of Nav, and has not been approved, provided, or reviewed by the company providing the credit card, financing, or service.

For complete information, see the terms and conditions on the credit card, financing and service issuer’s website. In most cases, once you click “apply now”, you will be redirected to the issuer’s website where you may review the terms and conditions of the product before proceeding. While Nav always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of products as stated by the issuer itself.

Personal FICO credit scores and other credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit or financing type you are eligible for. Nav uses the Vantage 3.0 credit score to determine which credit offers are recommended which may differ from the credit score used by lenders and service providers. However, credit score alone does not guarantee or imply approval for any credit card, financing, or service offer.

Editorial Disclosure

Any personal views and opinions expressed are author’s alone, and do not necessarily reflect the viewpoint of Nav. Editorial content is not those of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.