VisaPetal 1 Visa
Petal's lower-tier builder card, also closed since the Empower acquisition.
Welcome Bonus
None
No welcome offer, closed to new applications
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
No
credit history required (cash flow underwriting)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1xSelect merchant offers earn 2% to 10%
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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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