Petal · Building credit
Petal 2 Visa
No-deposit, no-credit-check starter card with genuinely zero fees of any kind, plus modest cash back.
Welcome bonus
No welcome bonus; cash back starts at 1% and rises to 1.5% after 12 on-time payments
Rates & fees unavailable
Terms & pricing
- Annual fee
- $0Rates & fees unavailable
- Purchase APR
- 28.24%–30.24% variable APRRates & fees unavailable
- Intro APR on purchases
- NoneRates & fees unavailable
- Balance transfer
- NoneRates & fees unavailable
- Foreign transaction fee
- None
- Welcome bonus value (est.)
- $0Rates & fees unavailable
- Est. first-year value
- $150
- Est. ongoing annual value
- $150
Rewards (Cash back)
1% back on All Purchases
Rises to 1.5% after 12 consecutive on-time payments
Benefits & protections
No added benefits.
What we'd flag
- Cash back starts at just 1% (rising to 1.5% after 12 on-time payments)
- Higher APR than mainstream cards, typical of the no-credit-check tier
Where these numbers come from
Terms retrieved Sep 4, 2026 and verified Sep 7, 2026 by tom.brune@gmail.com.