Petal 1 Credit Karma

Petal 1

Build credit without an annual membership fee.

Annual membership fee

$0*

Cash back

at select national merchants

1% – 10%

Variable APR

28.99% - 33.99%¹

Path to a credit limit increase

Terms apply²

Petal 1 Rise

Build credit, simply.

Annual membership fee

$59*

Cash back

at select national merchants

1% – 10%

Variable APR

28.99% - 33.99%¹

Path to a credit limit increase

Terms apply²

*Card fees and terms may vary for members acquired prior to 5/16/23.

App Features

Take control with credit-friendly features.

Understand the path to a limit increase.

With the Leap program, earn a credit line increase in 6 months by making qualifying on-time payments. Terms apply.

Track your score.

Stay up to date on your credit score in the app.

Find cash back near you.

Earn 1% – 10% cash back at select national merchants.³

Know before you owe.

Enjoy payment flexibility ⎯ pay in full or carry a balance.

Keep tabs on your account.

Enable push notifications to see your transaction activity in real time.

How the Petal 1 Family stacks up.

Petal 1

Petal 1 Rise

Milestone Gold Mastercard

Annual Fees

$59*

$175 first year; $49 thereafter

Second year includes monthly fees of up to $12.50 ($150 annually)

Cash back

at select merchants

No foreign fees

on transactions

Variable APR

28.99% - 33.99%¹

on transactions

28.99% - 33.99%¹

on transactions

35.90%

variable

According to Platinum Mastercard Capital One, and Intuit Credit Karma websites as of date 12/12/22.

* Card fees and terms may vary for members acquired prior to 1/31/24.

Lose the unnecessary fees.

Petal 1 Family travels well.

No foreign transaction fee.

Help avoiding late fees.

Enable AutoPay so you never miss scheduling a payment.

Credit history made simple.

Pay from your phone.

Add your Petal card to your mobile wallet for easy, on-the-go payments.

Designed to build credit.

We report to the major bureaus so you can grow your credit score with responsible credit use.

Tap to it.

Equipped with contactless payment technology for fast & secure checkouts — simply tap and go.

See if you’re pre-approved for Petal.

No credit check required.

See card offers

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.

You must meet the applicable criteria bearing on creditworthiness and any other eligibility criteria. Credit is subject to qualification and may not be extended for various reasons including, but not limited to, verification of your identity, if the ratio of your debt obligations to your income or the amount of income remaining after you meet your debt obligations does not meet the applicable requirements, or upon consideration of other accounts you may have.

¹ The variable APR range is accurate as of 12/01/2024 and may vary with the market based on the Prime Rate.

² Terms apply

³ Cash back merchants and offers can vary throughout the year and are personalized. You must meet the individual offer terms to receive cash back. In the past six months, Petal members received at least one cash back offer from an advertised merchant.

¹The variable APR range is accurate as of 12/01/2024 and may vary with the market based on the Prime Rate.

² 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.

³Cash back merchants and offers can vary throughout the year and are personalized. You must meet the individual offer terms to receive cash back. In the past six months, Petal members received at least one cash back offer from an advertised merchant.

Access to credit begins here.

To start, to rebuild, to last.

$0*

1% – 10%

28.99% - 33.99%¹

$59*

1% – 10%

28.99% - 33.99%¹

*Card fees and terms may vary for members acquired prior to 5/16/23.

Take control with credit-friendly features.

Understand the path to a limit increase.

Track your score.

Find cash back near you.

Know before you owe.

Keep tabs on your account.