The road to approval for a better rewards card starts somewhere — specifically with a 1% cash back, low-credit-line/few-perks card. At least Petal doesn't charge an annual fee like some other starter cards. thumb_up Likes Offers a pathway to rewards if you’re new to creditEarn up to 1.5% cash backPreapproval availableNo fees. Like, none. Not even foreign transaction feesRewards shopping local with 2%-10% cashbackUnlimited cash back thumb_down Dislikes Just 1% cash back for the first six monthsRequires six to 12 on-time payments for access to 1.25% and 1.5% cash back ratesLow credit limit = low rewards potentialHigh APR on unpaid balancesNo sign-up bonus or intro 0% APR offer Category Default Rate Bonus Rate Bonus Spend Cap Bonus Spend Period (Months) Gas 1.00% - - - Travel 1.00% - - - Dining 1.00% - - - Entertainment 1.00% - - - Pharmacy 1.00% - - - Groceries 1.00% - - - Other Purchases 1.00% - - -