The Petal 1

The Petal 1 Visa Credit Card offers an innovative, supportive, and fee-friendly way to build or rebuild your credit.

CREDIT CARD

Petal 1 Visa

Up to 10% cash back No annual fee

SEE HOW TO APPLY You will remain on the current site

The Petal 1 Visa Credit Card is here to help you take that confident first step. This isn’t just another credit card; it’s a tool thoughtfully designed for people who are new to credit or need a chance to rebuild their financial standing. 

Build Your Financial Future and Earn Cash Back with the Petal 1 Visa Credit Card

Pros: Why the Petal 1 Card is a Smart Start

The Petal 1 card is built with features to help you succeed on your financial journey in the U.S.:

• Get Approved More Easily: Worried about a thin credit file? Petal’s smart technology can link to your bank account to get a fuller picture of your finances. This innovative approach means you might get approved even if you have a limited or fair credit history.
• Build Your Credit, Step by Step: This is what it’s all about! Petal reports your account activity—like your on-time payments—to all three major U.S. credit bureaus. 
• Earn Cash Back on Select Purchases: While you build credit, you can also earn some cash back! You can get between 2% and 10% cash back!
• Say Goodbye to Annual Fees & Foreign Transaction Fees:
  • $0 annual fee: Build your credit without worrying about a yearly cost.
  • No foreign transaction fees: This is a fantastic perk, especially for a credit-building card! Shop online from international stores or use your card if you travel abroad without those extra fees.

Cons: What to Keep in Mind on Your Credit Journey

While it’s a great tool for building credit, here’s a balanced look:

• Cashback is on Select Offers, Not Everywhere: That great cash back program isn’t a flat rate on everything. You earn cash back specifically on purchases made with merchants through the Petal Offers platform. 
• The APR is on the Higher Side: As is common with cards designed to help people build credit, the standard variable APR is high. 

Who is This Card For? It’s Probably For You If…

The Petal 1 Visa Credit Card is specifically designed for you if you’re an individual in the U.S. who is new to the world of credit or are actively working to rebuild a damaged credit history. It’s perfect if you may have been turned down for traditional credit cards and need a chance to show your creditworthiness. 

If your main goal is to establish or improve your credit score with a card that reports to all three bureaus, and you see the potential for some cash back through offers as a nice bonus rather than the primary feature, the Petal 1 card is an excellent and accessible choice to get you started.

Ready to take control of your credit journey? You can learn more and see if you’re eligible on the next page.