An In-Depth Exploration of Visa Petal 2 Card Benefits and Eligibility

Check out the Visa Petal 2 Card’s offerings

Petal offers a trio of credit cards with enticing features and benefits. Issued by WebBank, Petal 2 Card boasts no fees whatsoever, and with an APR range of 18.24% to 32.24%, they offer flexibility tailored to individual financial circumstances. 

Moreover, cardholders can enjoy cash back rewards ranging from 1% to 1.5% on everyday purchases, making spending even more rewarding.

Who is eligible?

The eligibility criteria encompass various aspects, including:

1. Providing a valid Social Security Number or Individual Taxpayer Identification Number (ITIN).
2. Having an active U.S. telephone number and a valid email address.
3. Being at least 18 years old (or 19 if residing in Alabama or Nebraska).
4. Maintaining permanent residency in one of the 50 United States, Washington, D.C., or a U.S. military location.

Additionally, the applicants who are interested in this credit card may be asked to fulfill additional requirements, such as:

• Linking their primary bank account to the Petal card application. This account must be a valid checking or savings account from a U.S. financial institution.
• Providing a valid U.S. or foreign government-issued photo ID.

Applicants may be deemed ineligible for a Petal card if they reside in a correctional institution at their current address, have previously applied for or currently possess a Petal card account, or have filed for bankruptcy within the past 48 months.

Petal 2 Card Application Process

Discover if you qualify for a Petal card without affecting your credit score. No credit check is necessary. 

By submitting a pre-approval request, you authorize evaluation for multiple Petal credit cards. However, pre-approval doesn’t guarantee account approval; a full application is required for credit consideration.

This evaluation process involves a comprehensive review of various factors, including your credit history, income, and other things considered by the bank. 

To begin, go to Peta 2 online page, press “Apply now” and firstly provide your personal details. Note that P.O. boxes and non-U.S. addresses are not supported, though APO and FPO boxes are accepted.

Continue by confirming your identity with your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), alongside your date of birth and employment status. Students are also eligible to apply. 

Share your income details, including annual income and housing costs. Additionally, you may be asked to link a bank account to be considered for a credit extension.

Completing these steps ensures a thorough evaluation of your application for the Visa Petal 2 card. Upon submission, Petal will review your information to determine eligibility.

Enhance your payment experience with Petal

Effortlessly manage your finances with Petal by adding your card to your mobile wallet. With this feature, you can securely store your card information on your smartphone and enjoy the convenience of making payments on the go, directly from your phone.

Beyond that, Petal is designed to help you build your credit history effectively. By reporting your credit activity to major credit bureaus, Petal might be the ideal choice for you to take control of your financial future and improve your credit score through responsible credit usage.

Lastly, experience seamless and secure transactions with Petal’s contactless payment technology. Simply tap your card at checkout for a quick and hassle-free payment.

This innovative technology not only speeds up the checkout process but also enhances security by reducing the risk of card skimming or counterfeit fraud.

Looking for other options?

The Wells Fargo Reflect® Card emerges as a compelling option, offering a range of enticing benefits. Not only does it provide generous cash back rewards on purchases, but it also stands out by waiving annual fees, ensuring that cardholders can maximize their savings. Moreover, as time progresses, the card offers avenues for credit limit enhancements, providing flexibility and potential for increased purchasing power to meet evolving financial needs.

Written by

Ellen Queiroz (Redatora)