Why Petal?About UsLog InGet early access

Credit is sideways.

Millions of Americans aren’t able to access credit, simply because they haven’t had credit in the past. Millions more are trapped in confusing, misleading and expensive credit card debt that feels impossible to overcome. We created Petal because we think that credit is sideways and it’s time to flip the script.

Petal is a simple, no-fee credit card that’s transparent, intuitive, and doesn’t require a credit score.

We make credit underwriting decisions with machine learning, analyzing our customer’s full digital financial record—not just their credit score. This allows us to provide the first ever introductory credit card with high credit limits, great rates, and no-fees whatsoever.

We’re working with the best partners in the industry to create a safe, secure and affordable credit card you can use anywhere Visa is accepted.

We’re launching in private, invitation-only beta and can’t wait to bring Petal to the millions of people who deserve some credit.

Be one of the first to get invited by joining the waitlist.

Read more about the Petal story here


Put the customer first • Be honest and straightforward • Work hard to make things simple • Listen and practice empathy • Choose positivity • Take ownership • Invent the future • 
Be different, together.


We have a diverse and knowledgable team with experience at some of the best finance and tech companies around, like Google, Amazon, Square, WeWork, CitiBank, Capital One, American Express and Chase.


Petal is proudly based in New York City and we’re growing quickly. If you’re interested in our mission, check out our open positions here.


If you’d like to write about Petal, email press@petalcard.com for more information.

*Pricing Details: Credit limits from $500 to $10,000, absolutely no fees,
and variable APRs of 14.74% to 25.74%. APRs are based on the U.S.
Prime Rate accurate as of 06/19/18.