Credit card review
WebBank Petal 2 Cash Back No Fees Visa Credit Card Review
WebBankVisaSecuredCash backNo annual fee
WebBank Petal 2 Cash Back No Fees Visa Credit Card earned 4.0 / 5 in our 2026 review. The WebBank Petal 2 Cash Back No Fees Visa Credit Card earns 1.5% on everything with no annual fee. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-04-29
TL;DR
Annual fee
$0
Signup bonus
None
Top reward rate
1.5% on everything
Intro APR
None
Issuer
WebBank
Network
Visa
Min credit score
300
Fintiex rating
4.0 / 5
Pros
- +1% cash back immediately, growing to 1.5% after 12 on-time monthly payments
- +No annual fee, no late fees, no returned payment fees, no foreign transaction fees
- +Uses cash flow underwriting (analyzes bank account data) so thin/no credit applicants can qualify
- +Credit limit up to $10,000 based on income and cash flow
- +No security deposit required
- +Free credit score monitoring via app
- +Reports to all three major credit bureaus
- +Petal Offers: 2-10% cash back at select merchants
Cons
- -Must reach 1.5% - starts at 1% which is below competitors
- -Requires linking bank account for cash flow analysis
- -No signup bonus
- -High APR range (up to 32.24%)
- -Issuer is WebBank, less name recognition than major banks
Rewards detail
everything else
1.5%
Rates and fees
Annual fee
$0
Purchase APR
18.24% to 32.24%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
18.24% to 32.24%
Cash advance APR
32.24%
Balance transfer fee
None
Foreign transaction fee
None
Who it's for
The Petal 2 Cash Back No Fees 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 550. 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.
Compare with similar cards
Frequently asked questions
Does the Petal 2 Cash Back No Fees Visa Credit Card have a foreign transaction fee?
No. The WebBank Petal 2 Cash Back No Fees 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 2 Cash Back No Fees Visa Credit Card?
Approvals typically start around a FICO score of 300, but WebBank prefers 550 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
Does the Petal 2 Cash Back No Fees Visa Credit Card have a welcome offer?
No. The WebBank Petal 2 Cash Back No Fees 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 2 Cash Back No Fees Visa Credit Card have a 0% intro APR offer?
No. The WebBank Petal 2 Cash Back No Fees Visa Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 18.24% to 32.24%. 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 2 Cash Back No Fees Visa Credit Card?
$0. The WebBank Petal 2 Cash Back No Fees Visa Credit Card has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Petal 2 Cash Back No Fees Visa Credit Card worth it?
Fintiex rates the WebBank Petal 2 Cash Back No Fees 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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