Petal® 2 Visa® Credit Card Review

Petal® 2 “Cash Back, No Fees” Visa® from WebBank — all information about the credit card.

By Hanna Volkava
Updated November 25, 2022

Good Choose for Beginner, No history

Petal® 2 “Cash Back, No Fees” Visa® WebBank
Apply now
On WebBank‘s site
Our Rating:
3.8 out of 5
Recommended credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 1% - 1.5%:
    • Cash Back after making 12 on-time monthly payments.
    • 2% - 10%:
    • Cash Back from select merchants.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
  • Purchase Intro APR:
  • Regular APR:
    15.99% - 29.99% Variable
  • Balance Transfer APR:
Show more

We recommend more cards

WebBank Petal® 2 “Cash Back, No Fees” Visa® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
Select merchants
All purchases
Show less details

All benefits

  • Cash back
    • 1% - 1.5%:
    • Cash Back after making 12 on-time monthly payments.
    • 2% - 10%:
    • Cash Back from select merchants.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 15.99% - 29.99% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • None
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged any Interest on purchases if you pay your entire balance by the due date each month.


  • Annual Fee
    • $0
  • Return Payment
    • None
  • Late Payment
    • None
View all Rates & Fees

Pros & Cons

  • No annual fee
  • No returned payment fee
  • No foreign transaction fee
  • You can apply even if you have no credit history
  • No late fees
  • No signup bonus
  • Cash advances are not permitted
  • Those who filed for bankruptcy may be rejected
  • Balance transfers are not allowed
  • No intro APR offer


  • Low interest
  • No Annual Fee
  • No foreign transaction fees
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Poor Credit
  • Fair Credit
  • Good Credit
  • Excellent Credit

About the issuer

WebBank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's website
Call to Customer Service

Compare with other cards

Fair credit
QuicksilverOne Capital One
Capital One QuicksilverOne Cash Rewards Credit Card
3.64 out of 5
Recommended credit score
Fair to Good (580-739)
  • $39
    Annual Fee
  • 28.49%
    Regular APR
  • 1.5%
    Cash Back on every purchase.
  • None
    Purchase Intro APR
Apply now
On Capital One‘s site
Without SSN
Capital One Journey Student
Journey Student Rewards from Capital One
3.79 out of 5
Recommended credit score
Fair (580-669)
  • None
    Annual Fee
  • 28.49%
    Regular APR
  • 1%
    Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.
  • None
    Purchase Intro APR
Apply now
On Capital One‘s site
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
3.53 out of 5
Recommended credit score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 3%
    Cash Back on Home, Auto and Health categories.
  • None
    Purchase Intro APR
Apply now
On Upgrade‘s website

Petal® 2 Credit Card Review

Start unlocking the power of your personal data and build your credit with this no-annual-fee Petal® 2 credit card.

You can earn up to 1.5% cash back on every eligible use and net between 2% to 10% for every purchase at selected merchants via Petal® Offers.

The Petal® 2 Credit Card is the ideal card for building credit and nurturing a good history. Attractive rewards are up for grabs on a 1% cash back upon activation. You will have a chance to maximize earnings up to 1.5% after a year.

You will learn how to manage your spendings and get rewarded for on-time payments. Your credit performance will also be reported to three major credit bureaus, and you will have access to updates on your credit score through the mobile app or website.


If you miss a deadline on a payment, no late fees will be charged as most credit cards do. You will also enjoy your overseas trips more knowing you won’t get charged with foreign transaction fees for your shopping outside of the U.S. using your Petal® 2 credit card.

It’s a good choice for people without a history of credit, and it’s a perfect starter credit card for students, as well.

Petal® 2 Credit Card: pros and cons

Pros: Cons:
No annual fee. It allows you to forget about extra expenses on your credit card service. Pay only for your active card usage. No signup bonus. Some credit issuers have generous signup bonus offers. Unfortunately, there is no welcome offer from Petal® 2 when your application gets approved.
No returned payment fee. Some credit cards have returned payment fees of up to $40. But Petal® 2 will not collect any fee for returned payments. Cash advances are not permitted. It may come in handy to have a credit card with a cash advance feature. Unfortunately, there is no such offer from Petal® 2.
No foreign transaction fees. You can shop and dine outside of the U.S. and pay using your Petal® 2 credit card without worrying about foreign transaction fees. Those who filed for bankruptcy may be rejected. Those who filed for bankruptcy in the past 48 months may be rejected for a Petal® 2 Visa credit card. Once you are rejected due to that reason you will get into a kinda “blacklist” and won’t be eligible to apply again anymore.
You can apply even if you have no credit history. Most credit card companies would usually require a good credit score to be eligible for a card. But with Petal® 2, you are eligible even if you have no history of credit yet. Balance transfers are not allowed. Petal® 2 has no offer for a transfer of balance from another credit card.
No late fees. If you fail to pay your dues on time, Petal® 2 will not collect for late fees as long as you pay the minimum due amount. No intro APR offer. Other banks have an Intro APR offer of 0% within a certain period. For Petal® 2, there is no intro APR offer.

Petal® 2 Credit Card: Rewards System Overview

The tiered cash back rewards program of Petal® 2 is designed to motivate cardholders to use the card more often by rewarding them with a 1% cashback on eligible purchases immediately after card activation. Timely payments are also encouraged by increasing the cashback percentage to 1.25% after six months, and a further increase to the maximum of 1.5% awaits after 12 months of consistent on-time payments.

Upon activation, you are automatically enrolled in Petal® Offers that lets you earn more as you use more. Selected merchants are giving up to 10% cashback on your purchases. When you enable location services in the mobile app, you will see nearby establishments with the best offers for cashback rewards.


The reward points will not expire for the life of the Petal® 2 Visa® credit card as long as the account is in good standing.

There are two ways of redeeming the points.

  • Via Mobile App (or mobile-optimized website): Log on to your account via the Petal® 2 mobile app and redeem the reward points in your Cash Back Wallet as a statement credit. Maximum redemption is up to the amount of the current balance of your statement.
  • Via Phone: You can call Petal® Card and request an ACH transfer to your designated bank account. Alternatively, you may request for a paper check to be mailed to your address for a minimum redemption amount of $20.

Who can benefit from getting the Petal® 2 Credit Card?

If you want to grow a good credit score, then you would greatly benefit from Petal® 2, the most advanced credit card of Petal® Card, Inc.. It has no fees, and it is specially designed for your success. It will help you become responsible with your spendings and payments, allowing you to set a budget and monitor how much is left for your next spendings.


Petal® 2 is one of only a few starter cards that already offer rewards upon activation with a high starting credit limit between $500 up to $10,000. You can also earn as much as 1.5% in cashback after a year of timely payments.

It is an excellent choice if you have no credit history yet, and you are starting to build one. Petal® 2 offers a variable APR of 15.99% - 29.99% with no annual fee.

Are there any other benefits?

Yes, you will enjoy other benefits that come with your Petal® 2 credit card:

  • Mobile App Availability: You will like the user-friendly interface of the Petal® 2 mobile app that lets you easily monitor and manage your credit card account while on the go, allowing you to track your spendings in line with your budget.
  • Uber Credit Via Visa® Offers: You can automatically earn Uber credits on every purchase through Visa® Offers using your credit card when you register for Petal® 2 through your Uber account.
  • Lost or Stolen Card Assistance: If you lost your card or it is stolen, Visa® can help you with an emergency replacement card and even arrange for a cash delivery to your address.
  • Auto Rental Collision Insurance: When you pay for a rental vehicle using your Petal® 2 credit card, you will receive coverage for damage or theft.
  • Roadside Dispatch: Having a flat tire or a dead battery? No worries. Just call for roadside assistance and get access to roadside dispatch.
  • “Refer a Friend” Program: Earn from $0 up to $50 in statement credit or cashback points when you refer a friend, and your referral is approved for a Petal® credit card. You may also join the affiliate program managed by Partner Centric and earn a $15 default commission per referral.


The Petal® 2 Cash Back Card is the ideal card for students and fresh graduates starting to build credit, and also those who just came to the US. The card doesn’t have an annual fee, and no fees are collected for late payments. The generous rewards program will surely inspire anyone to make timely payments to earn more while nurturing good history at the same time.

Overall, Petal® 2 cuts through the fine prints and ditches the fees, creating a lifestyle credit card that lets you build a good credit score while making your life easier.


Is Petal® 2 Credit Card legit?

Yes, Petal Card, Inc. is a legitimate company working in partnership with Visa® and WebBank, an FDIC-insured lender that backs Petal Card. Thus, the card is safe for various eligible transactions.

How to check my application status for Petal® 2 Credit Card?

The first stage of the application is to go through the pre approval process to pre qualify if you’re a good fit. Based on a review at Reddit, it will take a day or two for the result to come out. Once you are pre-approved, that’s the time you can proceed with the application. Notice of approval is sent via email. If you are approved, your Petal® 2 credit card should arrive within 6 to 10 business days. In the meantime, you may set up a new account in the Petal 2 mobile app while waiting for your credit card to arrive.
Hanna VolkavaHanna Volkava

Financial and product expert
Another popular cards for you
3.5 out of 5
Recommended credit score
No Credit History to Fair (0-669)
  • $39
    Annual Fee
  • 17.74%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On First Progress’s site