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If you are in the United States and looking for a credit card with no annual fee, no hidden fees and that still offers increasing cashback, Petal® 2 Visa Credit Card may be the ideal option — especially if you're building or rebuilding your credit history.
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In this guide, you'll learn how to apply, what documents are required, and the main benefits of this card, which has become increasingly popular among immigrants, students, and young adults.
Step by Step Guide to Applying for a Petal 2 Visa
1. Confirm your eligibility
This card is ideal for those who:
- Still building credit or don't have a credit score in the US
- Have SSN or ITIN
- Have an active US bank account (for alternative credit analysis)
- Has a stable income and legally resides in the US
2. Access the official Petal website
Go to the Petal website and click the “Check your offer” button. You will undergo a pre-analysis. no impact on your credit score.
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3. Complete the pre-approval form
Enter your personal and financial information, such as:
- Full name
- US Address
- Monthly income
- Current employment (or proof of bank transactions)
- SSN or ITIN
You can also connect your bank account so Petal can assess your financial history based on your transactions, even without traditional credit.
4. Submit documents if requested
In some cases, Petal may ask:
- Photo ID (driver's license, state ID, or passport)
- Proof of US residency
- Proof of income or bank statement
5. Wait for analysis and approval
If approved, the card will be shipped within a few business days to your US address. Remember: the credit limit varies between $300 to $10,000, depending on the analysis.
6. Activate the card and start using it
After receiving your physical card, activate it through the Petal app and start enjoying benefits like cashback and complete control over your spending.
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Required Documents
✅ Photo ID (ID, driver's license, or passport)
✅ SSN or ITIN number
✅ Active US bank account
✅ Proof of income (optional, if you do not connect the bank)
✅ Proof of residence (if requested)
Petal 2 Visa Fees and Conditions
- Annuity: ❌ $0
- APR (interest): 18,24% to 32,24% variable (according to your credit)
- Cashback:
- 1% on all purchases from the beginning
- Up to 1.5% after 12 months of on-time payments
- Additional cashback offers at partner stores
- International transaction fee: ❌ No charge
- Late, maintenance, or inactivity fees: ❌ None
Who Should Apply for This Card?
✅ People with no credit history or limited credit
✅ Students, immigrants and young professionals
✅ Who wants a card without hidden fees
✅ Users who value financial education and control via app
❌ Not recommended for those looking for mileage programs or premium cards with large limits from the start
Conclusion
THE Petal 2 Visa Credit Card is an excellent alternative for those who want a fair, transparent, and rewarding credit card. It combines the simplicity of having no no fee with the possibility of winning cashback on all purchases, in addition to being accessible even for those who still has no credit history in the USA.
With an intuitive app, alternative assessment, and adjustable limits based on your responsible use, Petal 2 is the ideal partner to safely begin your financial journey.