LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

WebBank Petal 1 No Annual Fee Visa Credit Card Review

WebBankVisaSecuredCash backNo annual fee

WebBank Petal 1 No Annual Fee Visa Credit Card earned 4.0 / 5 in our 2026 review. The WebBank Petal 1 No Annual Fee Visa Credit Card earns varies with no annual fee. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-05-01
WebBank Petal 1 No Annual Fee Visa Credit Card credit card
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TL;DR
Annual fee
$0
Signup bonus
None
Top reward rate
Varies
Intro APR
None
Issuer
WebBank
Network
Visa
Min credit score
300
Fintiex rating
4.0 / 5
Pros
  • +Uses cash flow underwriting (links bank account to analyze income and spending patterns)
  • +Designed for applicants with no credit history, thin credit, or fair credit
  • +No annual fee, no foreign transaction fees
  • +Petal Offers: 2-10% cash back at select local and national merchants
  • +Reports to all three major credit bureaus monthly
  • +No security deposit required
  • +Free credit score monitoring via app
  • +Credit limit up to $5,000 based on cash flow analysis
  • +Pathway to Petal 2 after building credit history
Cons
  • -No baseline cash back rate (0% except through Petal Offers merchants)
  • -Requires linking bank account for cash flow review
  • -High APR range especially for those with poor credit
  • -Petal Offers are merchant-specific and not guaranteed
  • -Spending limit may be lower than expected based on banking history
  • -No sign-up bonus

Rewards detail

The WebBank Petal 1 No Annual Fee Visa Credit Card is built for credit building, not rewards. There is no cash back or points program attached to spending. The value here is in reporting positive payment history to all three credit bureaus while you rebuild your score.

Rates and fees

Annual fee
$0
Purchase APR
19.99% to 34.49%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
19.99% to 34.49%
Cash advance APR
34.49%
Balance transfer fee
None
Foreign transaction fee
None
Who it's for

The Petal 1 No Annual Fee Visa Credit Card is built for people who want a secured, cash back or no annual fee card. Most approvals land at FICO 300 and above, but issuers prefer scores near 500. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best secured cards roundup.

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Frequently asked questions

Does the Petal 1 No Annual Fee Visa Credit Card have a foreign transaction fee?
No. The WebBank Petal 1 No Annual Fee Visa Credit Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Petal 1 No Annual Fee Visa Credit Card?
Approvals typically start around a FICO score of 300, but WebBank prefers 500 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
Does the Petal 1 No Annual Fee Visa Credit Card have a welcome offer?
No. The WebBank Petal 1 No Annual Fee Visa Credit Card does not run a traditional signup bonus right now. The ongoing rewards rate is the main reason to apply, not a one-time promotion.
Does the Petal 1 No Annual Fee Visa Credit Card have a 0% intro APR offer?
No. The WebBank Petal 1 No Annual Fee Visa Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 19.99% to 34.49%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Petal 1 No Annual Fee Visa Credit Card?
$0. The WebBank Petal 1 No Annual Fee Visa Credit Card has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Petal 1 No Annual Fee Visa Credit Card worth it?
Fintiex rates the WebBank Petal 1 No Annual Fee Visa Credit Card 4.0 out of 5 for 2026. It is best for secured and cash back and no annual fee. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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