Petal Visa Credit Card Reviews

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Approval Odds

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4.9 out of 5 stars
27 Reviews

From Cardholders in the last year

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Application Process

3 out of 5 stars

Customer Service

2.5 out of 5 stars

5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $0
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 15.24% - 26.24%* Variable

5 star reviews (24) See All

These reviews were written by current and former cardholders in the last year.

Jul 16, 2019
Crystal2212 Cardholder

Can someone please tell me I bag of anyone out there to let me know how long this card took to arrive in your mailbox?? I was approved for 2500, with a credit score of 718 FICO, 688 TransUnion, and it's been 12 days no card yet oh, I read reviews on credit karma that says it only takes less than a week to come in the mail dot-dot. Please someone let me know I would really appreciate it, as this is funding for our family vacation, not the only funding available but for renting a car ect., ect., Thank you!!

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Jul 13, 2019
Awesome card! Great customer service.
Travelforever Cardholder

Got a credit limit of $6000 with a score of 675.. customer service is second to none. Love the card and will continue to use at as my primary credit card. 

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Jul 11, 2019
Us123 Cardholder

I was approved for $2,500 CL. They pulled from Experian. Experian is my lowest score at 664.

I was under the impression that I would need to link my bank account to be approved but did not have to. The app did give me the option to after. My guess is if I couldn't get approved off my credit they would have to use bank as another option.

Very excited, was approved within about an hour or so. Have not received card yet. Currently only other card I have is secured Capital One with only $500 CL, low usage and all on time payments. I've had for just over a year. I only had 1 inquiry before applying. I recently paid off delinquent Student loans. Hope this helps (:

No customer service experience at the moment.

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Jul 11, 2019

I was approved for 4,500 and I didn’t have to give up my bank account either! Congrats on your approval :)

Jul 15, 2019

How are you guys getting pre approved without adding bank? With the app or?

Jul 08, 2019
PETAL is hands down the best card
Domz72 Cardholder

Great for rebuilding credit. They go on your past spending habits and bank statments. This card will pay you cach back after a few on time payments!  i have almost 100 dollars back in a few months! The customer service is next level too!  Always ready to help if you have issues!  HIGHLY RECOMMEND  IT!!

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Jul 06, 2019
Easy to track spending with app.
Bizzy805 Cardholder

Great for travel as the exchange rate is instant and no need to call as you can monitor spending on the app.

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Jul 02, 2019
Customer service, quick and easy phone
Upandupandup Cardholder

I’ve had the great pleasure to quickly speak yes speak with customer support amazing 

application process so fast and easy 

approved with 640 3,500 and working on rebuild

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Jul 06, 2019

Enter Your Reply

Jul 15, 2019

Ballpark yearly?

Jul 01, 2019
I love Petal!!!!!
SSrewart Cardholder

Thanks to Credit Karma for helping me find Petal! My credit score was 674 when I applied for this card in minutes I was approved for 4,500 limit!. Yes that’s right! $4,500 credit limit I was blowed away! Thanks Petal for giving me a chance!!!!!!!

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Jul 02, 2019

What's your income though?

Jul 08, 2019

I will not disclose my personal. Beside income has nothing to do with the amount Petal trust you with!

Jul 08, 2019

That makes no sense the whole card is based off how much you make and how much you have in the bank lmao

Jul 10, 2019

Just know it’s a great card! Hope you get approved for the amount I have! :) PETAL ALL THE WAY!!!!!

Jul 10, 2019

And FYI when you sign up for this card it DO NOT ask you for your bank information so it does NOT base off your how much you have in the bank! You must don’t have this card because you would’ve known that!

Jul 15, 2019

Ballpark gross income?

Jul 16, 2019

Hi, I am just wondering how long it took for your card to come?? PLEASE! LOL, my fam & I are waiting for it to take a much needed Vaca, before my son STARTS Highschool, I was approved for $2,500 on July 5th! It seems like FOREVER 😭 WE'VE BEEN WAITING FOR THE CARD. My credit score is at 686, & FICO Score is 718.. I'm unsure too why I only received a CC limit of $2,500...

Jul 16, 2019

Sorry, I know u are probably not on ur Credit Karma 24/7, but I just am wondering how long it takes to arrive?? Sry again, I just have SHADY neighbors & Petal emailed me asking me to share a like on Social media, but I have NOT received my card.. 🤔😭

Jun 20, 2019
The Best credit card ever!
Pauliana Cardholder

I love the lack of so many fees and also no annual feem that is HUGE!   I was so excited to get approved..  It took a long 3 weeks to get approved but I am delighted with the card now.. Their app and website are easy to use and very informative..   The cashback rewards are awesome too..  

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Jul 08, 2019

It took 3 weeks for them to let you know that you got approved after applying online?

Jul 16, 2019

When did you receive your card? I applied on June 18th Nd still haven’t got a card

Jun 19, 2019
Great card with a higher credit limit
Hubba3034 Cardholder

I had credit score in the mid 600s and was given a $3000 credit limit. I love the way they use my bank statements to get me the credit limit i needed with no fees thank you Petal for the chance to rebuild my credit

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Jul 15, 2019

Ballpark annual gross?

Jun 14, 2019
Best card out there, the app is perfect.
Ksebv Cardholder

Awesome credit line even with low credit score, best app I've ever tried, cool card design. Everything is simple and functional. Recommended!

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Jul 10, 2019

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Petal Visa Credit Card

24 Reviews
Cardholders' Choice i