Petal 2 Visa
Petal (WebBank)
No Annual Fee
Annual Fee
VisaNew CreditNo Foreign Transaction Feeno-annual-fee
🎁 Welcome Offer
Earning Rates
2×Petal Offers at select merchantsEarn 2% to 10% cash back at select merchants through Petal Offers
1×All other purchases (initial)1% cash back on all purchases to start
1.25×All other purchases (after 6 on-time payments)1.25% cash back after 6 consecutive on-time monthly payments
1.5×All other purchases (after 12 on-time payments)1.5% cash back after 12 consecutive on-time monthly payments (max rate)
Travel Benefits
Other Benefits
Credit building
Reports to all three major credit bureaus; strong on-time payment history builds credit
No fees — ever
Unlike the Petal 1, the Petal 2 charges NO fees of any kind for new cardholders — no annual fee, no foreign transaction fees, no late fees, no account fees
Credit limit increase path
Automatic review for credit limit increases with responsible use
Insurance
Application Rules
Sources
- https://www.petalcard.com/petal-2
- https://www.nerdwallet.com/credit-cards/learn/is-the-petal-card-legit
- https://www.cnbc.com/select/visa-petal-1-vs-petal-2/
Last Updated: 2026-04-16T13:41:49.993Z
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