Petal 1 Visa
By Alex Compton · Last verified
Petal's lower-tier builder card, also closed since the Empower acquisition.
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$0
Last recorded · No FTF
Credit Score
No
credit history required (cash flow underwriting)
Common Questions
Is the Petal 1 Visa discontinued?
Yes. No welcome offer, closed to new applications. Petal's lower-tier builder card, also closed since the Empower acquisition.
What can I use instead of the Petal 1 Visa?
The closest open alternatives we track are the Chase Sapphire Preferred, Capital One Savor, Chase Freedom Unlimited. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Petal 1 is gone, but these cards do a similar job and are still accepting applications.
The best first travel card in the game. Full transfer partner access for $95.
3% on dining, groceries, entertainment and streaming. No fee.
1.5x on everything, and a points multiplier when paired with a Sapphire.
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer, closed to new applications | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Historical record · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1xSelect merchant offers earn 2% to 10%No base earn rate on everyday purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦No annual fee and no foreign transaction fees
- ✦Cash flow underwriting reached applicants the Petal 2 declined
- ✦Merchant offers paid 2% to 10% at select retailers
- ✦Reports to all three credit bureaus
Why it earns its spot
- +Unsecured approval for damaged or thin credit with no deposit
- +No annual fee
- +Existing accounts continue to report normally
Where it costs you
- −Closed to new applications after the Empower acquisition
- −No base rewards rate, and late fees applied unlike the Petal 2
- −Higher APR range than the Petal 2
The Compound Verdict
Petal 1 was the consolation prize for applicants the Petal 2 turned down, and it still beat most subprime alternatives on fees. Like its sibling it is closed to new applications under Empower, with new applicants pushed to the Tilt Card. Holders should keep the account open and let the history age.
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