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Verified May 2026

Petal 2 Cash Back, No Fees Visa

Petal|Personal
/5
Annual Fee
$0
Sign-Up Bonus
None
Bonus Value
$0

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Is this card worth it?
Annual fee
$0
Welcome offer
None
Est. value
$0
Best for
Credit-Builder

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

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Earning Rates

1x
everyday purchases base
1.5x
everyday purchases max with on time payments
10x
select national merchants

Petal 2 Cash Back, No Fees Visa

Petal

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

  • spend-categories
    Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
  • held-cards
    Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
  • tracked-objectives
    Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_TRANSFER_ECOSYSTEM

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED
$0 annual feeIssuer check 2026-05-24

No publishable welcome offer (no-current-offer).

Computed 2026-08-25T22:26:47.866Z from the facts above. This is a request-time answer, not something we monitor for you.

Earning rates

1
  • 1.5%

    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

More benefits & fine print (4)Show
  • 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
  • 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

Before you decide, weigh alternatives

This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.

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How we verified this card (3 sources)Show

Spotted something off? Report an issue. Read our verification methodology.

See the Current Offer

Earn None

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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

Use this for a trip

Have a trip in mind?

Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.

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