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Expanding access with no annual fee.

Between 2-10% cash back from select merchants

See if you are pre-approved with no impact to your credit score

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By clicking ‘See Card Offers’, you authorize us to evaluate you for multiple Petal credit products. Pre-approval does not guarantee account approval and you must submit a full application for review in order to apply for any pre-approved offer(s) of credit.
Pricing and Fee Details

Petal 1 Variable APRs range from 20.74% - 30.74%2.. Pricing and Fee Details.
Petal 2 Variable APRs range from 13.74% - 27.74%2. Pricing and Fee Details.
Petal credit cards are issued by WebBank, Member FDIC.
Pricing and Fee Details

Fees
No Annual Fee
(late and returned payment fees may apply)
Credit Limit
$300 - $5,000
APRs
20.74% - 30.24%2
Cash Back
2% - 10%
at select merchants

Higher limits, better rates, no annual fee.

Credit scores don't tell the whole story. Petal 1 looks beyond your credit score to create a Cash Score based on your banking history. Your Cash Score shows your creditworthiness and can help you qualify for more credit at better rates.

credit limit

Increase your limit.

With Petal’s Leap program, you can earn a credit line increase in 6 months by making qualifying on-time payments and keeping your credit score within a personalized range.

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Increase your limit.
Local Offers

Cash back right around the corner.

2% - 10% back at select merchants in your area.

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credit score

Grow your score

With responsible spending and on time payments. Your Petal activity is reported to the three major credit bureaus and is available in the app.

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Spend Planner

Control your spending.

Set a budget and see how much you've left to spend.

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Here to help you succeed.

Petal 1 has everything you need to stay on the financial fast track. Pay on time successfully each month, build credit, and avoid paying any fees. Then rinse, and repeat.

No annual fee

No one should have to pay a fee to get access to a credit card.

No foreign transaction fee

Take Petal 1 with you wherever you go.

Help avoiding late fees

Turn on AutoPay and never miss a payment.

Credit reimagined.
See how the Petal card stacks up.
Capital One
Platinum
Mastercard
Milestone Gold Mastercard
Cash back at select merchants
No annual fee
No international fees
Credit limit
$300 - $5,000
$300+
$300
APR
20.74% - 30.24%2
26.99%
24.99%
According to Capital One, Milestone Gold, and Credit Karma websites as of 02/02/2021
According to Capital One, Milestone Gold, and Credit Karma websites as of 02/02/2021
See if Petal 1 is right for you
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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.

ⁱ Eligible applicants will be presented with an opportunity to link their bank account in order to be evaluated for an extension of credit assessing their cashflow.

2 The variable APR range is accurate as of 04/26/2022 and may vary with the market based on the Prime Rate.
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