Responsible credit
for the modern world.
Variable APRs range from 12.99% - 23.99%
Card issued by WebBank, Member FDIC
Voted 'Best Credit Card for Building Credit' by CNBC
No one's helping us buy less stuff.
Companies are letting us buy with one-click, a thumb print, or by talking to our speakers. We need a credit card company that will encourage us to be responsible. One with no fees, that lets you set a budget, and cash back that grows with you.
Priced just right.
Cash Back
1% – 1.5%
Credit Limit
$500 – $10,000
12.99% - 23.99%
APRs are variable, based on the U.S. Prime Rate accurate as of 4/7/2020
An app built by a tech company, not a bank.
We make it easy to track your spending and manage your money with all of your checking, credit, and other accounts visible in one place.
Rewards that grow with you.
Cash back right away
After 6 on-time monthly payments
After 12 on-time monthly payments
How does it work?
Submit your information
Start applying for your Petal credit card – the entire process only takes minutes.
See if you’re pre-approved
Get a decision without impacting your credit score. If we need more information, you will be prompted to link your accounts to allow our clever algorithms to go to work.
Link your accounts
If you haven't already, link your accounts to gain additional insights and features that make managing your finances a breeze.
Build your credit history
Pay on time, grow your score, and earn more cash back. It's that easy.
What do you mean no fees?
We threw them out. No annual fees, late payment fees, foreign transaction fees, or any-other-kind-of-fee, fees.
No credit score?
No problem.
If you have a credit score we’ll look at it, but if you don’t, the Petal card is one of the only credit cards you can get without credit history or an up front deposit. If we need more information, clever algorithms can analyze more than just your credit score.
Your new favorite credit card.
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