Petal review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Petal suits US adults who want a plain debit card for travel spending, with a monthly fee of $0, a currency conversion fee of 0% and cashback of 1% to 1.5%. The card runs on visa and carries a US registration, 2295169.
Key facts
- Best for
- A fee-free US debit card for travel spending with a small cashback return.
- Monthly fee
- $0↗
- Currency conversion fee
- 0%↗
- Cashback rate
- 1% to 1.5%↗
- Card network
- Visa↗
- Legal entity
- Tilt Card, Inc.↗
- Headquarters
- United States↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Travel
- Official website
- petalcard.com
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- X
Pros and cons
Pros
- Monthly fee of $0 and a currency conversion fee of 0% keep both holding and travel costs predictable.
- Cashback of 1% to 1.5% rewards the spending the card is built around.
- Support runs on email, phone and help centre, so help comes by help centre, phone and email.
- The card is registered in the United States as 2295169 and runs on visa.
Cons
- Cashback runs 1% to 1.5% and there is no other reward listed, so the return on daily spending is small.
- The feature list covers travel alone, so the card suits trips more than everyday extras.
- Petal is a US card from Tilt Card, Inc., so people banking in another market get less from it.
Who it suits
- US adults who want a fee-free debit card for trips, with a monthly fee of $0 and a conversion fee of 0%
- Spenders happy with a small automatic return, since cashback runs 1% to 1.5%
- Cardholders who want phone and email help, since support runs on email, phone and help centre
Who should look elsewhere
- Anyone outside US, who will find Monzo Flex or Wise a closer fit for a local account
- Bitpanda buyers who want a crypto card rather than a visa debit card paying cashback of 1% to 1.5%
How Petal compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.2
9.3 vs 9.5
9.3 vs 9.6
9.3 vs 9.0
9.3 vs 9.1A monthly fee of €0 on a crypto card, for readers who want digital assets rather than travel spending.
9.3 vs 8.9
9.3 vs 8.1
9.3 vs 8.2
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 8.9- 9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.3
Where Petal is available
- Available
- United States
- Licence in United States
- NMLS (NMLS Consumer Access) (2295169), checked September 26, 2026
Countries from the brand (checked September 26, 2026)
Frequently asked questions
What does Petal cost to keep?+
Petal has no monthly charge: the monthly fee is $0, and the card is issued by Tilt Card, Inc.. Cashback of 1% to 1.5% is the only reward attached to spending, so the cost side comes down to how much gets spent.
What is the currency conversion fee?+
The currency conversion fee is 0%, and Petal ranks 1 of 237 brands on that measure. Spending in the local currency while travelling adds nothing at the conversion step, and travel is the only feature travel listed for the card.
Is Petal regulated in the US?+
Petal is a US product run by Tilt Card, Inc., and it appears on the NMLS Consumer Access register as 2295169. That register is the reference point for checking a US card issuer, and the card runs on visa.
What kind of card is it?+
Petal issues a visa debit card, accepted wherever that network is taken, and travel is the feature travel the card is built around. Cashback of 1% to 1.5% adds a return on the spending the card is meant for.
How do I get help from Petal?+
Support runs on email, phone and help centre. That gives cardholders a help centre for self service, a phone line for urgent card problems and email for anything that needs detail. The same channels handle questions about travel spending on the card.
Who is Petal aimed at?+
Petal fits US adults who travel often and want a card with no monthly charge and no conversion charge, since the monthly fee is $0 and the conversion fee is 0%. Cashback of 1% to 1.5% is the reward on top. It suits trips rather than spenders chasing bigger rewards.
How does Petal compare on cost?+
Petal ranks 1 of 379 brands on monthly fee, and its $0 monthly charge matches the £0 at Wise and the €0 at Bitpanda. On currency conversion it ranks 1 of 237.
Sources
- petalcard.com/contact checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Tilt Card, Inc. 9169 W State St., PMB 499 Garden City, ID 83714”
- petalcard.com/legals/cardholder-agreements checked September 26, 2026
Backs: Card network
“The Petal 2 Visa Credit Card Cardholder Agreement”
- petalcard.com/petal-2 checked September 26, 2026
Backs: Cashback rate, Features, Currency conversion fee, Monthly fee
“1% - 1.5% Cash back on everyday purchases”
- nmlsconsumeraccess.org checked September 26, 2026
Backs: Licences
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Card type, Protection.
Related by the facts
Petal
A fee-free US debit card for travel spending with a small cashback return.