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The Petal® 2 “Cash Back, No Fees” Visa® Credit Card is a beginner-friendly card built for people who want to build credit responsibly while earning cashback. With no annual fee, no foreign transaction fees, and no hidden charges, it’s one of the most transparent credit cards on the market.
The Petal® 2 card is designed for new credit users or those with limited history. It rewards responsible behavior by offering higher cashback rates over time. With an emphasis on accessibility, it provides credit opportunities without the common pitfalls of traditional cards.
What Is The Petal® 2 Card?
The Petal® 2 is a Visa card issued by WebBank. It earns 1% cashback on all purchases right away, with the opportunity to increase to 1.5% cashback after 12 on-time monthly payments. This makes it ideal for people who are just starting their credit journey.
It has no annual fee, no late fees, and no foreign transaction fees, distinguishing it from most entry-level products.
BUILD CREDIT WHILE EARNING REWARDSMain Benefits
- 💵 1% cashback on all purchases, up to 1.5% with responsible use
- 💳 No annual, late, or foreign transaction fees
- 📈 Designed to help build credit history
- 🌎 Accepted anywhere Visa is accepted worldwide
- 🛡️ Tools for budgeting and financial management
Who Can Apply
The Petal® 2 card is available to U.S. residents with limited or fair credit history. Unlike many cards, approval doesn’t rely solely on a traditional credit score. Petal uses a “Cash Score” that considers banking history and financial behavior.
Fees And Rates
BUILD CREDIT WHILE EARNING REWARDS- 💰 No annual fee
- 💸 Variable APR depending on creditworthiness
- 🌍 No foreign transaction fees
- 💵 No late payment fees
How Cashback Works
You start with 1% cashback on all purchases. After 6 months of on-time payments, you may qualify for 1.25%, and after 12 months, 1.5%. Rewards can be redeemed as statement credits.
Why It Stands Out
The Petal® 2 stands out for its no-fee structure and beginner-friendly approach. It encourages responsible credit habits and rewards cardholders for building a positive payment history.
BUILD CREDIT WHILE EARNING REWARDSFAQ – Frequently Asked Questions
1. What is the annual fee?
There is no annual fee.
2. How much cashback can I earn?
1% to 1.5% depending on payment history.
3. Does it charge late fees?
No, there are no late fees.
4. Can I use it abroad?
Yes, there are no foreign transaction fees.
5. Does it help build credit?
Yes, it reports to all three major credit bureaus.
6. What score is required?
Fair credit or limited history may qualify.
7. Do cashback rewards expire?
No, they don’t expire while the account is open.
8. Can I redeem for cash?
Yes, rewards are available as statement credits.
9. Is it good for beginners?
Yes, it’s designed for people new to credit.
10. Is it a secured card?
No, it is unsecured.
Conclusion
The Petal® 2 Visa Credit Card is an excellent option for anyone starting their credit journey. With no fees, cashback rewards, and tools for financial health, it offers a safer path to building credit.
While it doesn’t provide premium perks, its focus on accessibility and transparency makes it stand out among beginner cards. It gives cardholders the ability to earn rewards and grow their credit profile without hidden costs.
For young adults, students, or anyone new to credit, the Petal® 2 is a smart and practical choice.