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Responsible credit
for the modern world.
Variable APRs range from 12.99% –29.49%. Cards issued by WebBank, Member FDIC
Pricing and Fee Details
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One mission. Two cards.
See how the Petal cards compare.
No annual or international fees
No late or returned payment fees
Cash back on all purchases
Cash back on select merchants
APR (variable)
19.99% - 29.49%
12.99% - 26.99%
Credit limit
$500 - $5,000
$500 - $10,000
Petal 1
Expanding access through technology.
No annual fee (Late and returned payment fees apply)
$500 - $5,000 limits
APRs 19.99% - 29.49%
2% - 10% cash back at select merchants
Petal 2
Responsible credit without fees.
1% - 1.5% cash back and more offers
No fees
$500 - $10,000 limits
APRs 12.99% - 26.99%
See how the Petal cards compare
No annual or international fees
No late or returned payment fees
Cash back on all purchases
Cash back on select merchants
APR (variable)
19.99% - 29.49%
12.99% - 26.99%
Credit limit
$500 - $5,000
$500 - $10,000
Table View
Card View
Petal 1
Petal 2
New to credit
I’ve never had a credit card, car loan or mortgage.
I’ve never had a credit score.
I’m a student, a person new to the U.S., or an authorized user on someone else’s credit card.
I maintain a healthy balance in my checking/saving accounts.
Petal 1
Average credit
I haven't defaulted on a loan in the past 2 years.
I have a limited credit history, 3 years or less.
I’m a gig/part-time worker without a predictable income.
I maintain a healthy balance in my checking/saving accounts.
Petal 2
Good credit
I haven't declared bankruptcy or defaulted on a loan in the last 4 years.
I haven't been more than 30 days late on any credit card, medical bill, or loan in the
last year.
I have had a loan or credit card for 3 years or more with a credit limit above $3000.
Information provided is for reference and fitting this criteria does not guarantee approval.
A new approach
to credit.
When you apply for Petal, we use your banking history to instantly create a Cash Score — a measure of your creditworthiness based on income, spending, and savings. It could help you qualify for a Petal credit card, even if you've never had credit before.
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Credit shouldn't be scary.
We provide you with all the tools you need to build credit and thrive. Even if the world is constantly trying to get you to buy stuff.
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Don't take our word for it.
“Petal uses a more holistic and comprehensive underwriting model to determine the creditworthiness of credit card applicants compared to traditional banks that rely predominantly on an applicant’s FICO score.”
“When people sign up for the card, they’re given access to an app that advises them on money management decisions–the app will tell people it’s good to aim to pay off their whole credit bill at the end of the month, but will not penalize them if they can’t.”
“Its ‘radically simplified’ user interface and mobile app makes it easy to manage money, track spending and build credit without thinking about it.”
“Its ‘radically simplified’ user interface and mobile app makes it easy to manage money, track spending and build credit without thinking about it.”
“When people sign up for the card, they’re given access to an app that advises them on money management decisions–the app will tell people it’s good to aim to pay off their whole credit bill at the end of the month, but will not penalize them if they can’t.”
“Petal uses a more holistic and comprehensive underwriting model to determine the creditworthiness of credit card applicants compared to traditional banks that rely predominantly on an applicant’s FICO score.”
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Petal credit cards are issued by WebBank, Member FDIC. © 2021 Petal Card, Inc.