Transparent terms with no hidden charges.
Based on your income and spending, not just credit score.
Helps build or rebuild credit over time.
Track spending, set budgets, and more via the Petal app.
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Credit for All, Not Just for Some+
Uses banking data to evaluate applicants — perfect for new-to-credit users.
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No Surprise Fees Ever+
$0 annual, late, or over-limit fees. Clear and simple pricing.
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Mobile-Friendly Experience+
Full control via app: payments, alerts, score tracking.
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Grow Over Time+
Responsible usage can lead to higher credit limits and score improvement.
For people with no credit history or a less-than-perfect score, getting approved for a credit card can feel like running into a brick wall. That’s exactly where the Petal® 1 “No Annual Fee” Visa® Credit Card comes in. Designed for consumers building or rebuilding their credit, this card offers real purchasing power without requiring a security deposit — and with zero annual fees.
Unlike many “starter” credit cards that bury users in hidden fees, the Petal 1 card keeps it simple: you get a Visa® credit line based on a broader view of your financial behavior — not just your FICO score. This is especially helpful for freelancers, gig workers, or students who might not have traditional credit histories.
Why Petal 1 Stands Out
- $0 annual fee — rare for entry-level cards
- Credit limits from $300 up to $5,000, depending on your profile
- Cash back rewards at select merchants (2%–10%)
- No deposit required, unlike secured cards
- Reports to all three major credit bureaus
What makes Petal unique is its “cash flow underwriting” model, which analyzes your income and spending habits via linked bank accounts — giving people with low or no credit a chance to qualify.
How It Compares to Other Entry-Level Cards
| Feature | Petal® 1 Visa® | Capital One Platinum | Discover It Secured |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Deposit Required | ❌ No | ❌ No | ✅ Yes ($200 minimum) |
| Rewards Program | ✅ 2–10% Cash Back | ❌ None | ✅ 2% categories |
| Approval Based on FICO? | ❌ Optional | ✅ Yes | ✅ Yes |
| Credit Limit | Up to $5,000 | Up to $3,000 | Matches deposit |
Real-World Use Cases
- Maya, a 21-year-old nursing student, used the Petal 1 to build credit while working part-time. After 10 months, her credit score jumped from 602 to 695.
- Carlos, a rideshare driver, qualified based on his bank activity, not his limited credit history. He now uses it for fuel and gets cash back at participating gas stations.
Value for Money
This card hits a sweet spot for those who want real credit-building power without locking up funds in a security deposit or paying annual fees. Add to that some occasional cash back perks, and it becomes a compelling entry point for responsible financial growth.
👇 Click below to check if you qualify — no impact on your credit score ✅
