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Petal 1 Credit Card Review

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Review The Petal 1 Credit Card

The Petal 1 credit card is one of three cards issued by WebBank designed to help boost the credit profiles of those with fair to poor credit or limited credit histories. Cards in the Petal Family require no security deposit and don’t affect your credit score to learn your approval odds. The Petal 1 card even made the list of the top-rated credit cards with no security deposit.

This Petal 1 review will walk you through the pros and cons of this card. Also, low-rate personal loans should be considered as an alternative. Top-rated lenders, including Credible and Upstart, offer personal loans for applicants with a FICO score starting at 580.

petal 1 credit card feature image


  • Pre-approval won’t affect your credit score

  • 2% to 10% cash back at select merchants

  • No security deposit is necessary

  • Potential credit limit increase after 6 months

  • No or low annual fee depending on creditworthiness


  • Potentially high interest rate

  • Monthly or annual membership fees may apply

  • Balance transfers unavailable

Petal 1 Features and Benefits

The Petal 1 credit card and Petal 1 Rise credit cards have surprising benefits for unsecured cards. They also allow consumers to check their approval odds before taking a hard credit inquiry on their credit reports.

Petal 1 offers between 2% and 10% cash back at rotating select merchants that members can identify in the Petal App. The card is subject to either no annual fee, a monthly fee of $8, or an annual fee of $59. An unusual benefit of membership is the potential to take advantage of the company’s Petal VisaCredit Card Leap program.

The Leap program helps cardmembers develop sound financial habits through goals designed to increase and maintain their credit scores.

  • APR 25.24% – 35.74% (Variable)
  • 2% to 10% cash back on select purchases
  • No security deposit needed
  • Credit score not necessary to qualify
  • No or low ($0 – $59) annual fee
  • $8 monthly membership fee may apply
  • Offers a financial responsibility program
  • Credit limits between $300 and $5,000
  • Credit limit increase potential after 6 months
  • Reports to all three major credit bureaus
  • Pre-qualification won’t affect credit score
  • Robust mobile app available
  • Free credit score access in the mobile app
  • No foreign transaction fees
  • $10 or 3% cash advance fee, including money orders
  • $50 maximum cash advance fee

Petal 1 Editorial Rating

Trusted Company Reviews Rating Score for the Petal 1 credit card: 8.8

The Petal 1 card comes in two versions, the Petal 1 and the Petal 1 Rise, and makes our list as one of the best credit cards with no security deposit necessary. The Petal product family doesn’t allow consumers to choose their card. Instead, the company’s website provides a pre-qualification step determining which card and terms each customer can receive if approved.

Taking the pre-qualification step draws only a soft inquiry on your credit report, won’t affect your score, and won’t appear on future inquiries on your report. For customers without a credit score or who have a limited credit history, Petal and WebBank can generate your Cash Score to help determine which card and terms you may qualify for.

We chose to feature the Petal Credit Card Family not only for its pre-qualification step, which is becoming quite popular among cards for fair credit, but for the company’s revolving rewards and its Leap program to help members develop habits that can positively impact their credit profiles over the long term.

Benefits Pre-qualification with no score impact

Low score approval potential

2% to 10% cash back on select purchases

Reports to all three credit bureaus

Intro Offer None
APR 25.24% – 35.74%
Annual Fee $0 – $59 Depending on credit history
Credit Score Requirements None

About the Petal 1 Card

The Petal 1 and Petal 1 Rise credit cards differ slightly in APR and monthly or annual fee requirements. In general, customers with lower or no credit score and very limited credit history will likely qualify for the Petal 1 Rise card. In contrast, those with some credit history could be approved for the Petal 1 card.

The differences between the two are straightforward. While both offer the same cash-back benefits of between 2% and 10% at a rotating selection of vendors, the Petal 1 card features a lower potential interest rate and doesn’t require a monthly or annual fee.

Both cards offer the same pre-qualifying step to determine eligibility. Customers simply input their personal and financial information into the company’s website for pre-qualification to see which card they may receive if they choose to apply formally.

The cards feature starting credit limits of between $300 and $5,000, depending on creditworthiness. WebBank reports to all three major credit bureaus to help improve your credit profile as effectively as possible. The company will also review your account after the first six months to see if you qualify for a credit limit increase.

Finally, Petal offers its robust mobile app to help cardholders track spending and manage their cards and rewards wherever they are.

What is the Petal 1 Rise Credit Card?

The Petal 1 Rise credit card is similar to the Petal 1 card. However, it’s designed for those who need to build or rebuild their credit scores more so than customers who may qualify for the Petal 1 regular card.

While the Petal 1 Rise card comes with slightly higher interest rates and is subject to potential monthly or annual membership fees, the card still features the same cash-back benefits as the Petal 1 card.

Customers who use WebBank’s pre-qualification tool won’t be able to choose between the Petal 1 and the Petal 1 Rise. Instead, the company will determine which card each applicant qualifies for based on creditworthiness factors.

Petal 1 Credit Card Credit Score Requirements

No credit score or credit history requirements are set for Petal 1 or Petal 1 Rise credit card approval. However, the company does retain the right to refuse card issuance to any customer based on creditworthiness. Consumers with a bankruptcy on their record within the past 48 months won’t qualify for a Petal card product.

For applicants with little or no credit history or a poor credit score, WebBank may offer its Cash Score option to help approve consumers who may otherwise be turned down for typical credit cards.

Besides credit scores and history, the company may require customers to connect their bank account to their credit card account to develop a Cash Score based on income versus bill payments.

Petal Credit Card App

The Petal Credit Card App is available for Android and iOS devices on Google Play and the App Store. Through the app, Petal customers can perform the following card-related functions.

  • See their payment due date
  • Make payments
  • See their credit card balance
  • Review transactions and history
  • Follow their credit profile and score progress
  • Participate in the Leap program
  • Set up recurring payments

How to Use the Petal 1 Credit Card

For everyday use, the Petal 1 and Petal 1 Rise credit cards work just like any other ordinary credit card. However, Petal is one of a handful of non-secured credit cards that don’t require a security deposit and also provide a rewards plan.

Taking advantage of the 2% to 10% cash-back rewards requires paying attention to the rotating collection of retailers selected by Petal and using the card at those places to collect the reward points.

The company’s mobile app will list the current retailers where the cash-back rewards can be earned. While customers can use their Petal 1 credit card anywhere Visa® is accepted, rewards are only earnable at the selected retailers during the active period WebBank chooses and states in the app.

Redeeming Petal Rewards

Redeeming Petal rewards after earning them by shopping at the select retailers and maintaining your account in good standing is possible from the company’s mobile app. Use the Cash Wallet in the app to request a statement credit or an ACH transfer to your linked bank account.

Balance Transfers

The Petal 1 credit card and WebBank don’t offer a balance transfer function with any of its card products. See our best balance transfer cards for fair credit review and featured products if you need a card with balance transfer availability or consider debt consolidation or a personal loan.


Check out recent reviews on credit cards and personal loans:

Consider Top-Rated Personal Loans for Fair Credit

Lender Fixed (APR) Loan Amounts
Minimum Credit Score
Upstart Personal Loan 6.40% to 35.99% $1,000 to $50,000 620
LightStream Personal Loan 7.49% to 25.49% $5,000 to $100,000 700
Discover Personal Loan 7.99% to 24.99% $2,500 to $40,000 660
PenFed Credit Union Loan 8.49% to 17.99% $600 to $50,000 700
Upgrade Personal Loan 8.49% to $35.99% $1,000 to $50,000 600
Sofi Personal Loan 8.99% to 25.81% $50,000 to $100,000
Does Not Disclose
Best Egg Personal Loan 8.99% to 35.99% $20,000 to $50,000 600
LendingClub Personal Loan 9.57% to 35.99% $1,000 to $40,000 660
Avant Personal Loan 9.95% to 35.99% $20,000 to $35,000 550
Universal Credit Personal Loan 11.69% to 35.99% $1,000 to $50,000 560
OneMain Financial Personal Loan 18% to 35.99% $1,500 to $20,000
Does Not Disclose
Zable Personal Loans 8% to 30% $1,000 to $25,000 600
Happy Money Debt Consolidation Loan 11.72% to 24.67% $3,000 to $40,000 640

Source:, Top-Rated Personal Loans Review

Path to Credit Limit Increases

To qualify your Petal 1 credit card account for credit limit increase reviews after six months of on-time payments, Petal requires connecting your bank account to your credit card account. The company’s Leap program also offers multiple financial goals that could lead to credit limit increases over time.

Petal 1 Credit Card Reviews

Reviews for the Petal 1 and Petal 1 Rise credit cards are a mixed bag. Ratings on review sites range from around 3 of 5 stars to just over 4 stars, with most reviews landing on the positive side. Positive reviews cite the card and mobile app’s ease of use and convenience, while others are happy with the increases in their credit scores over time.

However, complaints and some low ratings exist. Many complaints about Petal products generally concern the company’s recent rollout of an $8 monthly membership fee for some cardholders. Other complaints seem to stem from fine print details, while some point to related customer-service disputes.

Why the Petal 1 Credit Card Stands Out

While many credit cards, with or without a necessary security deposit, don’t feature any perks for the customer and often involve high fees, the Petal 1 card stands out by going against that grain.

While the rewards offered by Petal 1 are limited to certain vendors at certain times, just having the potential to receive rewards is a nice perk.

However, the Petal 1 card series really stands out through the company’s Leap program, which offers real-world advice and goal-setting to help actively improve and maintain customers’ credit scores to make the most of their Petal 1 card membership.

Petal 1 Credit Card Vs. Petal 2 Credit Card

Petal offers three versions of its credit card products. The Petal 1 and Petal 1 Rise cards are entry-level products for consumers with low credit scores or limited credit histories. The Petal 2 card is somewhat more advanced.

The Petal 2 card features an easier-to-use rewards system that awards 1% to 1.5% cash-back on everyday purchases at more retailers than the Petal 1 cards. Therefore, the Petal 2 may be the better gas and grocery credit card.

The Petal 2 also features no annual fee. However, approval for the Petal 2 card requires a more robust credit history and at least a fair to good credit score.

Petal 1 Credit Card Petal 1 Rise Credit Card Petal 2 Credit Card
Rewards 2% to 10% cash back 2% to 10% cash back 1% to 1.5% on everyday purchases
Intro Offer None None None
APR 25.24% – 35.74%


28.49% – 35.74%


18.24% – 32.24%


Membership fees $0 $59 or $8 monthly $0
Credit Score Requirements None None None

Frequently Asked Questions

Is Petal 1 Visa a good credit card?

Is the Petal card legit?

What is the credit limit on the Petal 1 credit card?

Is the Petal 1 Visa credit card worth it?

Is the Petal card hard to get?


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About Author

Dr. Ali
Deane Biermeier is a prominent figure in all things finance and home improvement, renowned for his detailed written content, analyses, and expert advice. Over the past several years, he's contributed to industry-leading publications such as Forbes Home, Angi/HomeAdvisor, US News and World Report, Newsweek Vault, and Family Handyman. Deane's expertise is further established and recognized through his review board roles and by providing expert insights at The Spruce and Family Handyman. His recent affiliation with in 2023 further solidifies his position as a respected authority in his field. Key Highlights Extensive Publication Contributions: Deane's work is featured across multiple esteemed platforms, including Forbes Home, Angi/HomeAdvisor, US News, Newsweek Vault, and more. Expert Consulting and Insight: Offers specialized content reviews and consultations for The Spruce and Family Handyman, using his vast knowledge and experience. What Makes Deane Biermeier Stand Out? Deane's writing goes beyond providing lists of information. He strives to make complex topics understandable and breaks them down into easy-to-understand points so his readers can make confident decisions quickly. His content covers a wide array of topics, offering practical and valuable information on home-related, DIY, and home and personal finances. Philosophy and Approach Deane firmly believes in the power of informed decision-making and empowers his readers to do the same. His reviews focus on delivering essential and pertinent information with honesty and transparency without bias. He stresses the importance of understanding the full picture before committing to financial products or home improvement services and provides relevant information to ensure his readers can make confident decisions. Impact and Recognition Readers and industry leaders have widely acknowledged Deane's contributions. Delivering trustworthy information has made him a go-to source for those seeking practical advice on home improvement and financial decisions. With years of field experience complemented by thorough research, Deane continues to serve as a valuable resource for homeowners and consumers alike. Engage with Deane Biermeier Readers are encouraged to follow Deane for the latest reviews and updates. His author bio page, featuring his latest content, is filled with valuable insights and information to refer to when making product and provider choices. Sharing his profile and work on social media is a great way to empower others with useful and factual information.
Dr. Ali

Deane Biermeier

Last Updated: April 12, 2024