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Petal 2 Cash Back, No Fees Visa
PE
Petal|Personal/5
Annual Fee
$0
Sign-Up Bonus
None
Bonus Value
$0
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Earning Rates
1x
everyday purchases base
1.5x
everyday purchases max with on time payments
10x
select national merchants
Key Benefits
All Benefits
- 1% to 1.5% cash back on everyday purchases (rate increases with on-time payment history) plus 1% to 10% at select national merchants via Petal Offers
- $0 annual fee, no late fees, no returned-payment fees, no foreign transaction fees
- Cash flow underwriting: bank-account history can qualify thin-file applicants without traditional FICO history
- Issued by WebBank; serviced by Tilt Card, Inc. (NMLS #2295169) following Empower Finance's April 2024 acquisition of Petal
- Variable purchase APR 28.24% to 30.24% (verified 1/5/2026 per petalcard.com)
- Leap program: eligible cardholders can earn a higher credit limit within 6 months by hitting credit-health milestones
- Reports to all three major credit bureaus (Equifax, Experian, TransUnion) as a revolving credit account
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