The WebBank is a personal credit card from WebBank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 30.24% variable. Approval typically requires a credit score of 560 or higher. Rewards: Unlimited 3% cash back on gas & groceries with AutoPay on; 1% cash back on everything else. Typical credit limit: $1,000 - $3,000 (avg $2,069). This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Essentials tier — entry-level card from Tilt (formerly Empower, rebranded 2025; acquired Petal in 2024). Issued by WebBank. Soft-pull pre-approval. Uses bank-data underwriting (cash flow, income, spending patterns) similar to Petal — not just FICO. Average approval FICO ~567. Over 50% of approvals are sub-prime. Average starting limit ~$2,069; 84% of users land under $3K. Auto credit-line increases reported within 6 months for ~2 of 3 users. No deposit required. Experian-pull confirmed via freeze test. Targets credit-rebuild and thin-file applicants.