Guess what?
You could get a credit card even if you don’t have a credit score
Petal can look at your full financial picture — income, spending, and savings behavior — to determine creditworthiness.
Annual fees are out*
Because spending money so you can spend more money makes no sense.
Designed to help build credit
You’ve already got rent to pay and plants to feed. You shouldn’t have to also figure out credit on your own. Petal’s Leap program sets goals for responsible card use and rewards your progress with a credit limit increase.†
Your credit control center
Spend Planner makes it easy to budget. Set a budget goal with your Petal card and see how much you have left to spend.

Unsubscribe shows the subscriptions being charged to your Petal card so you can avoid unnecessary expenses and cancel what you don't use.

Payments calculator helps you understand how much interest you will owe based on what you pay.
*Variable APRs range from 13.24%–29.74%
†Visit for full terms and conditions.

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.