Making credit history.

Welcome to credit, no experience necessary.
Apply once for your best offer across all three Petal cards.
Variable APR range from 18.24% – 35.74%1. Cards issued by WebBank.
Petal 2 Card
Petal 1 Card
Petal 2 Card
Petal 1 Card
Petal 2 Card
Petal 1 Card
Petal 2 Card
Petal 1 Card
Featured cards

Cards for every type of credit builder.

Petal 2
All rewards, no fees.
Petal 2 Card
dollar
Annual membership fee
No fees of any kind*
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Cash back
on everyday purchases
1% – 1.5%
2 dollar sing
Variable APR
18.24% - 32.24%1
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Path to a credit limit increase
Terms apply2
Petal 1
Build credit without an annual membership fee.
Petal 1 Card
dollar
Annual membership fee
$0*
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Cash back
at select merchants
2% - 10%
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Cash back
2% - 10%
at select merchants
2 dollar sing
Variable APR
25.24% – 34.74%1
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Path to a credit limit increase
Terms apply2
Petal 1 Rise
Build credit, simply.
Petal 1 Card
dollar
Annual membership fee
$59*
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Cash back
at select merchants
2% - 10%
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Cash back
2% - 10%
at select merchants
2 dollar sing
Variable APR
28.49% – 35.74%1
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Path to a credit limit increase
Terms apply2

*Card fees and terms may vary for members acquired prior to 5/16/23.

Boost the odds of card approval.

Link a bank account.

Link a bank account.

Eligible applicants can leverage their bank data quickly and securely during the Petal application.
Show off financial history.

Show off financial history.

Petal can look beyond just a credit score and consider responsible spending and saving behavior.
Unlock the best card offer available.

Unlock the best offer available.

With bank data, the best possible offer can be extended, even to those who would otherwise be declined on a credit score alone.
App Features

Take control with credit-friendly features.

Understand the path to a limit increase.

With the Leap program, earn a credit line increase in 6 months by making qualifying on-time payments. Terms apply.

Track your score.

Stay up to date on your credit score in the app.

Find cash back near you.

Earn 2% – 10% cash back at select local and national merchants.3

Know before you owe.

Pay in full or carry a balance — pick your best payment strategy with estimated interest in mind.

Keep tabs on your account.

Enable push notifications to see your transaction activity in real time.
Card features

A card that works as hard as you do.

dollar

Designed to build credit.

We report to the major bureaus so you can grow your credit score with responsible credit use.
iPhone

Pay from your phone.

Add your Petal card to your mobile wallet for easy, on-the-go payments.
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Tap to it.

Equipped with contactless payment technology for fast & secure checkouts — simply tap and go.

Hear from real Petal credit-builders.

Interface is easy to use and intuitive, all the info provided is very clear, they were my first credit card, I 100% recommend them
Azure F.
May 2024
It's a wonderful option when you don't have any credit history and they are giving cash back. I applied in different institutions but Petal was the only one who opened their door to me accepting my request. Just check it out.
Tina A.
May 2024
Very simple and easy access. Thanks for making my life FREE from unnecessary STRESS.
E. Henry
June 2024
See if you’re pre-approved for Petal.

No credit check required.

2 Petal card
By submitting a pre-approval request, you grant your permission to be evaluated for multiple Petal credit cards. Pre-approval does not guarantee an account approval and you must submit a full application for review in order to apply for any offer(s) of credit. Submitting for a pre-approval is how you find out if you may be eligible for a Petal credit card without impacting your credit score.
You must meet our applicable criteria bearing on creditworthiness and any other of our eligibility criteria, which we determine in our sole discretion. Credit is subject to qualification and may not be extended for various reasons including, but not limited to, verification of your identity, if the ratio of your debt obligations to your income or the amount of income remaining after you meet your debt obligations does not meet our requirements, or upon consideration of other accounts you may have.
1 The variable APR range is accurate as of 08/15/2023 and may vary with the market based on the Prime Rate.

2 Eligible applicants will be presented with an opportunity to link their bank account in order to be evaluated for an extension of credit assessing their cashflow.

3 Cash back merchants and offers can vary throughout the year and are personalized. You must meet the individual offer terms to receive cash back. In the past six months, Petal members received at least one cash back offer from an advertised merchant.