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Responsible credit for the modern world.
See if you're pre-approved without impacting your credit score.
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Variable APRs range from 15.24% - 26.24%
Credit from the future.
We’re using modern technology to help more people build credit with a card that has higher limits, competitive rates and no fees whatsoever.
An app built by a tech company, not a bank.
We make it effortless to track your spending and manage your money, with all of your checking, credit, and other accounts in one place.
How does it work?
Link your accounts
Our clever algorithm analyzes more than just your credit score.
See if you’re pre-approved
Get a decision in seconds without impacting your credit.
Build your credit score
Pay on time and
grow your score.
Priced just right.
Credit Limit
$500 – $10,000
15.24% - 26.24%
FYI, APRs are variable, based on the U.S. Prime Rate accurate as of 12/28/2018.
What do you mean no fees?
We threw them out. No late fees, international fees, annual fees, or any-other-kind-of-fee, fees.
We want Petal to be different.
We thought about ways we could use modern technology and a little bit of common sense to help credit work for more people. We hope you like it.
Learn more
Get the card
Apply now