Building a great credit score is one of the most important things that you should do in your early days of financial life. With good credit, you’ll frequently qualify for some credit cards with great benefits.

But these perks will come along after you have established a good credit score. Many people face trouble in getting that first credit card. Many cards come with high fees and high-interest rates. Moreover, the credit limit is also quite less.

No history, no problem

Petal card can be the cure to all your problems, there is no credit score required to qualify due to Petal’s different application process. Instead of the credit score, Petal relies on the custom algorithm. The clever algorithm analyzes the bank statements and other data, such as your monthly earnings, expenditure, and the bills you pay.

This helps to create an alternative picture of the applicant’s credit eligibility. This is a great relief to those with a low or null credit score.

No fees No tension

Many starter cards for low credit applicants come with relatively high fees. But you don’t have to worry about that with the Petal Visa Credit Card.

The card comes with no fees, just nothing. There is no annual fees, late payment fees, foreign transaction fees, or any-other-kind-of-fee, fees. You just have to pay the interest on the purchases if you carry a balance.

Now, once you are approved, you will get a credit limit of anywhere from $500 to $10,000. A higher credit limit could make it easier to use the card for everyday purchases without worrying about your credit score.

Finally, the Petal Visa Credit Card has variable purchase APR range from 14.99% – 25.99%. If you qualify for its lowest late, that’s better than some other credit card designed for newbies. In contrast, the higher end of the APR range isn’t good, if you carry a balance, you will end up paying a fair amount of interest every month.

Amazing cashback rewards

Intuitive cashback rewards that grow with on-time payments. This makes the credit card usage experience even better. You will be eligible for 1% cash back on all eligible purchases, so you can earn rewards every time you use it.

You can augment your cashback rate to 1.25% as soon as you make six on-time payments. Furthermore, it can be increased to 1.5% if you make it to 12 on-time payments.

Also, your payments don’t have to be consecutive to avail the cashback increment, even if it takes you more than six months the reward will be waiting for you. At the same time, keep in mind that it’s often not worthwhile to go beyond your budget just to earn rewards.

One app does it all

You can manage your Petal card in the app. It can help you to set a purchase limit below your monthly limit, so now you won’ t be surprised by the bills every month. You can also pay your bills at the end of the month from the app itself. Moreover, you can connect multiple banking accounts and manage our money through the Petal mobile app. The app is available for both Android and iOS.

Also, if you failed to notice it yet. Petal has partenered with VISA, so now you can find millions of retail outlets that your card is compatible. Also, there is no international purchase charge. As amazing as it sounds, VISA network has a global presence and is reliable and secure.


The Petal card offers plenty of benefits and options for the amateurs in the credit endeavour. In addition, the strong cash back rewards that encourage you to pay your bills on time can actually help to build a good credit score and save some money. But beware of the upper APR limit otherwise you will end up paying a lot.

Recently, Apple has also released its own credit with amazing feature, you should certainly check it out. Read the article below for more insights into it.

Author: Anant Patel

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