The Petal 1 Family of cards is designed to help you build credit responsibly, whether you're establishing credit for the first time or rebuilding your score.
Cash back
24.49% – 33.99%i
variable
27.49% – 34.99%ⁱ
variable
Petal 2
Quicksilver One
Discover it® Cash Back
No annual fees
No foreign fees
on transactions
on transactions
on transactions
No returned payment fees
No late fees
Cash back
Up to 1.5%
on everyday purchases
1.5%
on everyday purchases
1%
on everyday purchases
Bonus cash back
at select merchants
at select merchants
at select merchants
Credit limit
$300 – $10,000
$300
$500
APR
17.49% – 31.49%i
variable
28.49%
variable
15.74% to 26.74%
variable
According to Capital One, Discover, and Credit Karma websites as of date 12/12/2022.
Petal 1
Build credit without an annual membership fee.
Annual membership fee
$0
Cash back
at select local & national merchants
2% – 10%
Credit limit
$300 – $5,000
Variable APR
24.74% – 34.24%1
Path to a credit limit increase
Terms apply2
Petal 1 Rise
Build credit, simply.
Annual membership fee
$59
Cash back
at select local & national merchants
2% – 10%
Credit limit
$500 – $3,500
Variable APR
27.99% – 35.24%1
Path to a credit limit increase
Terms apply2
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 2% – 10% cash back at select local and national merchants.3
Know before you owe.
Pay in full or carry a balance — pick your best payment strategy with estimated interest in mind.
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
Capital One Platinum
Annual Fees
$59
Cash back
at select merchants
at select merchants
No foreign fees
on transactions
on transactions
on transactions
Variable APR
24.99% – 34.49%1
on transactions
28.24% – 35.49%1
on transactions
28.49%
on transactions
According to Platinum Mastercard Capital One, and Credit Karma websites as of date 12/12/22
Lose the unnecessary fees.
Petal 1 Family travels well.
No foreign transaction fee.
Help avoiding late fees.
Enable AutoPay so you don't 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.
Build credit securely.
Freeze your card.
With a tap in the Petal app, you can freeze your card at any time to protect your account.
Protect from fraud.
Petal’s fraud detection technology can quickly spot suspicious card activity and take action.
Keep your data safe.
Your credit data is crucial — rest assured Petal encrypts and protects your personal information.
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 our applicable criteria bearing on creditworthiness and any other of our eligibility criteria, which we determine in our sole discretion. 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 our requirements, or upon consideration of other accounts you may have.
1The variable APR range is accurate as of 04/04/2023 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.
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.
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