Petal® 2 Visa® Credit Card
The Petal® 2 Visa Credit Card is a beginner-friendly, no-fee credit card that rewards responsible usage with increasing cash back — and doesn’t require a credit history to apply. Whether you're just starting out or want a clean, modern way to build credit, Petal 2 delivers with transparency and ease.
Apply Now
Key Highlights
- No fees — no annual, late, or foreign transaction fees
- 1%–1.5% cash back on eligible purchases
- Extra 2%–10% back at select merchants
- No credit history required — uses 'Cash Score'
- Credit limits from $300 to $10,000
- Reports to all three major credit bureaus
- Powerful mobile app with budgeting and credit tools
Seriously. No annual fee. No late fee. No international fee. Not even hidden ones.
You don’t get punished for learning how to use credit — that’s rare, and hugely helpful for beginners.
- Earn an initial 1% cash back on every eligible purchase
- Increase to 1.25% after 6 on-time payments
- Climb to 1.5% after 12 on-time payments
- Earn an additional 2% to 10% back when shopping with select merchants through Petal Offers
Petal uses a unique underwriting model called a 'Cash Score', which considers your income, spending habits, and banking data — making it ideal for first-timers or students with no prior credit record.
Depending on your financial profile, your credit limit can range from $300 to $10,000 — much higher than many starter cards offer.
Petal 2 reports to Equifax, Experian, and TransUnion, helping you build credit history with every swipe and every on-time payment.
- Real-time spending insights
- Payment reminders
- Free credit score tracking
- Budgeting and planning tools
- All inside a clean, intuitive mobile dashboard
- Have zero credit history or are just starting out
- Want a no-fee credit card with real cash-back rewards
- Prefer digital tools and financial transparency
- Don’t want to deal with security deposits like with secured cards
- Want a card that grows with you as you build better habits
- No traditional welcome bonus (like a $200 offer)
- Cash back isn’t category-based — flat rate may not suit high spenders
- Requires linking your bank account for Cash Score evaluation if you don’t have a credit file
Absolutely — especially if you're starting fresh and want a credit card that rewards you for being responsible, not penalizes you for being new.
With no fees, a growing cash-back structure, and no need for prior credit history, Petal 2 is a breath of fresh air in the confusing credit card market.
Whether you’re a student, freelancer, or just beginning your financial journey, Petal 2 gives you the freedom to build wisely — and earn while doing it.