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All rewards, no fees.

With Petal 2, it’s rewarding to build credit — literally. Earn cash back on everyday purchases, plus score additional offers from select merchants. And did we mention there are no fees? Seriously, none.
Cards issued by WebBank.
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Apply once for your best offer across all three Petal cards.
Petal 2 Card
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$0 fees*
dollar
28.99% - 30.99%1
Variable APR
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1% – 1.5%
Cash back on everyday purchases
*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.
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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
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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.

More rewards. No fees.

Petal 2

Credit One Bank
Cash Back Rewards

Capital One QuicksilverOne

Annual fees
$0
$75 first year; $99 thereafter
$39
Cash back
Up to 1.5%
on everyday purchases
1%
on everyday purchases
1.5%
on everyday purchases
Bonus cash back
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at select merchants
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at select merchants
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at select merchants
Late fees
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Returned payment fees
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Foreign fees
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$1 or 3% of each transaction
whichever is greater
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APR
28.99% - 30.99%1
variable
29.24%
variable
30.74%
variable
Bonus cash back
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at select merchants
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at select merchants
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at select merchants
According to Credit One Bank, Capital One and Nerd Wallet websites as of 06/17/2024.

Petal 2

Credit One Bank Cash Back Rewards

Capital One QuicksilverOne

Annual fees
$0
$75 first year; $99 thereafter
$39
Cash back
1%-1.5%
on everyday purchases
1%
on everyday purchases
1.5%
on everyday purchases
Bonus cash back
check icon
at select merchants
check icon
at select merchants
check icon
at select merchants
Late fees
x icon
check icon
check icon
Returned payment fees
x icon
check icon
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Forgein fees
x icon
$1 or 3% of each transaction
whichever is greater
x icon
APR
28.99% - 30.99%i
variable
29.24%
variable
30.74%
variable
According to Credit One Bank, Capital One and Nerd Wallet websites as of 06/17/2024.

Lose the unnecessary fees.

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Petal 2 travels well.

No foreign transaction fee.
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Help avoiding late fees.

Enable AutoPay so you don't miss scheduling a payment.
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Credit history made simple.

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Pay from your phone.

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

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

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

Build credit securely.

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Freeze your card.

With a tap in the Petal app, you can freeze your card at any time to protect your account.
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Protection from fraud.

Petal’s fraud detection technology can quickly spot suspicious card activity and take action.
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Keep your data safe.

Your credit data is crucial — rest assured Petal encrypts and protects your personal information.
See if you’re pre-approved for Petal.

No credit check required.

See card offers
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2 Petal card
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.

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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