Petal 2 earns you an extra $40-$80 per year on average, but it's not enough to justify carrying a debt of up to 32% APR if you don't pay in full. It's best for those with limited or fair credit who can only get approved for this card. The trade-off is that you'll need to link your bank account and allow Petal to monitor your spending, which may make some uneasy.
What you actually earn
Who this card is for
If you have limited or fair credit and spend regularly at specific merchants that offer double rewards, this card might be a decent choice for you.
The compliance footnote
The 2 Visa Credit Card carries a $0 annual fee with an APR range of 18.24–32.24% Variable. Foreign-transaction fee is none. The current signup offer is None. These terms are accurate as of 2026-05-06 and may change at the issuer's discretion. The Apply link goes directly to the issuer; picksbycard is independent and does not earn a commission on card approvals.