The Petal Card is a decent starter card that encourages responsible spending habits while offering rewards. Cardholders automatically earn 1% cash back on all purchases and can earn up to 1.5% cash back after 12 on-time payments.
The card comes with access to a smartphone app with a spending planner tool. Account holders can enter their budget and the planner will show how actual spending is lining up with the plan. The card also prides itself on having no fees — no annual fee, no late payment fee, and no foreign transaction fee.