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Petal 1® Visa Credit Card
Petal 1® Visa Credit Card
- 24.49% to 33.99% variable based on the Prime Rate Regular Purchase APR
At a Glance
The Petal 1® Visa Credit Cards is an entry-level fintech and credit builder card from WebBank. The card features no annual fee, no foreign transaction fee, and relatively generous credit limits.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $0 Annual Fee
- Variable APRs range from 24.49% to 33.99%
- $300 – $5,000 credit limits
- Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
- No credit score? No problem. If eligible, we’ll create your Cash Score instead.
- 2% – 10% cash back at select merchants
- See if you’re pre-approved within minutes without impacting your credit score.
- No annual or foreign transaction fees.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments.
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank
- Regular Purchase APR: 24.49% to 33.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: $29
- You have a limited credit history
- You have a solid banking history of providing access to a larger credit line
- You plan to pay your statement balance on time every month
- You don’t want to pay an annual fee
Petal 2 Visa® Credit Card
Petal 2 Visa® Credit Card
- 17.49% to 31.49% variable based on the Prime Rate Regular Purchase APR
At a Glance
The Petal 2 Visa® Credit Card is a decent option for those looking to raise their credit score but don’t want to pay fees. The card offers 1%-1.5% cash back on all eligible purchases and features no annual fee, no foreign transaction fees, and more. The card is issued by WebBank.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 17.49% to 31.49%
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% – 10% cash back at select merchants
- $300 – $10,000 credit limits
- No credit score? No problem. If eligible, we’ll create your Cash Score instead.
- See if you’re pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank
- Regular Purchase APR: 17.49% to 31.49% variable based on the Prime Rate
- You don’t want to pay an annual fee
- You plan to make your monthly payments on-time each month
- You prefer not to pay an annual fee
- You have a fair credit score
Avant Credit Card
Avant Credit Card
- 29.49% (variable) Regular Purchase APR
- 29.49% (variable) Cash Advance APR
At a Glance
The AvantCard Credit Card is a beginner-friendly credit-building tool that intentionally omits the bells and whistles. Perfect for someone looking to get their first credit card but is equally adept at rebuilding a dinged credit score.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Check eligibility with no hard pull
- Elegant mobile interface for monitoring purchases
- Zero fraud liability
- No foreign transaction fee
- Regular Purchase APR: 29.49% (variable)
- Cash Advance APR: 29.49% (variable)
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of the cash advance, whichever is greater
- Annual Fee: $0 to $59
- Late Payment Penalty Fee: Up to $39
- You are looking to build credit for the first time
- You don’t require more than a $1,000 credit limit
- You will pay off your card balance in full each month
- You want to check for pre-qualification prior to applying
Oportun® Visa® Credit Card
Oportun® Visa® Credit Card
- 24.90% to 29.90% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 24.90% to 29.90% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Oportun® Visa® Credit Card provides unsecured credit, the chance for credit limit increases, and regular reporting to the major credit bureaus – all for a variable annual fee of between $0 and $49, subject to creditworthiness.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No foreign transaction fees
- No credit history required
- Online prequalification with no credit score impact
- Regular Purchase APR: 24.90% to 29.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 24.90% to 29.90% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of transaction amount, whichever is greater
- Annual Fee: None to $49
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
- You have a pre-approval referral link for Oportun
- You have bad credit or no credit history
- You want an unsecured credit card
- You don’t want to pay any foreign transaction fees
Cleo Credit Builder Card
Cleo Credit Builder Card
At a Glance
The Cleo Credit Builder Card, issued by WebBank, is designed to get your credit where it needs to be. Easy and convenient signup for the secured charge card takes just three minutes through the Cleo App. No hassles or hoops to jump through to get started. Stay focused on boosting your credit score without the worry of credit checks and no interest on purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Put cash into your security deposit, which acts as, and increases, your credit line
- Account status is reported to 3 credit bureaus (Experian, Equifax, TransUnion)
- Cleo Credit Builder Card helps you build up your score over time
- No interest rates or fees
- Must have a Cleo Builder Subscription plan to apply for the Cleo Credit Builder Card
- Minimum Deposit Required: $1
- You want to build or establish credit without the fees of traditional credit cards
- You don’t mind paying a subscription to shape a better-looking credit score
- You would like a realistic line of credit to fit your lifestyle needs via a secured deposit
- You seek the convenience of an AI budgeting assistant in combination with credit building
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WebBank FAQs
Since WebBank is an online-online bank, plenty of questions arise concerning their products. Here are answers to some of the most commonly asked questions about WebBank, their banking accounts, and their credit cards:
- WebBank is a Utah-based, state-chartered online bank and financial services company. The bank is fully FDIC insured.
- WebBank is a 100% online bank.
- Online banks are 100% safe, and FDIC insured. Accounts held with WebBank have the same federal protections as bank accounts with other banks with physical locations.
- Since the bank’s credit card products are issued with other companies, the minimum credit score needed varies considerably. The Fingerhut credit card is one of the easiest credit cards to get – requiring no credit history at all.
- The routing number for WebBank is 124384589.
- If the credit card features the Visa or Mastercard logo, you can use the credit card at any location that accepts those payment networks. Cards like the Fingerhut Card or the Gettington Card, however, only work at their respective online stores.
Find the Best Credit Card for You
The team at BestCards.com knows how hard it is to find your perfect credit card. This is especially true if you don’t have the right tools and knowledge. That’s why we offer insightful credit card reviews, as well as informative articles to guide you every step of the way. Browse our 1,000 reviews and find your best card today.