Petal 2 Visa Card
No credit history required, thanks to underwriting based on bank activity instead of a credit score.
No fees of any kind and a Visa card you can apply for without a security deposit: that is the pitch of the Petal 2, which also lets you share bank data to strengthen your application.
Petal 2 targets Americans who are early in their credit journey or whose score does not tell the whole story, and who would rather not tie up cash in a secured card.
In practice that means no fees, up to 1.5% cash back and bonus rewards at select merchants.
Why is the Petal 2 worth it?
Credit scores miss a lot. Petal lets you link your accounts so it can weigh your recent financial picture, and you can check pre-approval without a hard credit pull. Final approval still needs a full application.
Advantages
- $0 annual fee, and no late fees, returned payment fees or foreign transaction fees
- Cash back starts at 1% and climbs to 1.25% and then 1.5% as you make on-time payments
- 1% to 10% back at select national merchants
- Credit limits up to $10,000
- Credit score tracking in the app
Disadvantages
- Variable APR of 28.24% to 30.24%
- No cash advances or balance transfers
- Reaching the top cash back tier requires twelve on-time payments
Important notice: this content is informational and based on official sources. We do not act as a financial intermediary.
Inside the Petal 2
Petal 2 is a Visa credit card issued by WebBank. It reports to the major credit bureaus, so each on-time payment helps your history.
The Leap program rewards steady payments: after 6 months of qualifying on-time payments, you may become eligible for a credit limit increase.
Key information
- Fees: $0 annual, none for late or returned payments, none for foreign transactions
- APR: 28.24% to 30.24% variable
- Rewards: 1% to 1.5% base, 1% to 10% at select national merchants
- Credit limit: up to $10,000
- Issuer: WebBank (Visa)
Last updated: 01/10/2026
Digital platform: Petal app
Inside the app you can freeze the card, receive purchase alerts, follow your credit score and estimate interest before it hits your statement.
Who is the Petal 2 ideal for?
Best for newer borrowers who pay in full, want to avoid fees and are fine linking a bank account. Not for people who need a cash advance, who want to move a balance from another card, or who expect to revolve debt, since the APR is high.
Common questions
Is there a hard credit pull for pre-approval?
Petal says its pre-approval does not require a hard credit pull; a full application is needed for final approval.
What is the maximum credit limit?
Credit limits are available up to $10,000.
How can I get a credit limit increase?
Through the Leap program, which offers a path to an increase after 6 months of qualifying on-time payments.
Is the Petal 2 a good option?
With no fees and rewards that rise as you pay on time, it is a reasonable starting card. The high APR is its main weakness, so plan to pay each statement in full.
Check the details page for how to apply.
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