Responsible credit for
the modern world.
Variable APRs range from 15.24% - 26.24%
Apply now
The future of credit.
We’re using modern technology to help more people build credit with a card that has higher limits, competitive rates, no fees, and cash back up to 1.5%.
Priced just right.
Cash Back
1% – 1.5%
Credit Limit
$500 – $10,000
APR
15.24% - 26.24%
Fees
None
APRs are variable, based on the U.S. Prime Rate accurate as of 12/28/2018.
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.
1%
Cash back right away
1.25%
After 6 on-time payments
1.5%
After 12 on-time 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, Petal is one of the only credit cards you can get without credit history or an up front deposit. If we need more information to make a decision, you can connect your accounts and let our clever algorithms go to work.
See if you’re pre-approved without impacting your credit score.
Apply now