Petal credit cards are issued by WebBank, Member FDIC. This includes Petal® 2 "Cash Back, No Fees" Visa® Credit Card, which is available even to applicants with limited and fair credit and earns cash back rewards. Store credit cards can help you build credit if you use them responsibly. These cards can help you build or rebuild credit, but rewards may be limited to a specific store or brand. Store cards tend to be easier to get than many unsecured cards, but beware: You may be tempted to overspend if it's a favorite retailer. The Discover it® Secured Credit Card is one option to help you build credit while you earn cash back rewards. Payments are reported to the major credit bureaus and can help people build or rebuild credit. The amount you put down as a deposit is typically your credit limit. This type of card requires a cash deposit as collateral, which reduces the issuer's risk in case you can't make payments. You'll need to stay organized and pay your bills in full and on time. If you use both cards, you can maximize points for online and grocery shopping. One card may earn more for online shopping expenses, while another earns more for grocery purchases. Sometimes the best money-saving strategy is to use two or more rewards credit cards. Take advantage of money-saving benefits, such as auto collision damage waivers, travel credits, extended warranties, and purchase and price protection. As long as you use your card for items you planned to buy anyway, your budget should remain intact. Know which spending categories will earn the most points, and map out when you'll buy certain items.
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