Responsible credit
for the modern world.

Designed to build credit.

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
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
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Card View

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.

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.

Don't take our word for 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.”

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.
Responsible credit for the modern world.
Variable APRs range from 12.99% - 29.49%
Effective as of August 5, 2020
Card design subject to change
Card issued by WebBank, Member FDIC
Pricing Details
A new approach to credit.
Our technology creates a Cash Score for you, giving insight into your larger financial picture. Your Cash Score is an analysis of your banking history based on factors like the bills you pay and the money you make. It’s what allows us to provide access to a credit card with great limits, no fees, and cash back, even if you don’t have a credit score.
Designed for your financial success.
Petal succeeds when you do. It’s why we prioritized budgeting tools and spending insights in our app. We make it easy to pay on time, manage your balance, and build credit.
The Original Petal card.
Built for you.
Cash Back
1% – 1.5%
Variable APR
12.99% – 29.49%
Credit Limit
$500 – $10,000
Fees
None
The future of credit, today
Credit building made easy.
Put credit building on autopilot. We’ll help you stick to your spending limit and automate your payments.
Rewarding when you're responsible
With the Original Petal credit card you can earn 1% cash back right away. Earn up to 1.5% cash back after twelve on-time monthly payments. You can also earn up to 10% extra cash back with select merchants.
1%
Cash back right away
1.25%
After 6 on–time payments
1.5%
After 12 on–time payments
Cash back right away
After 6 on-time payments
After 12 on-time payments
See which Petal card is right for you without impacting your credit score.
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.