Why Petal?FAQAbout UsGet early access

Build Your Credit Score

Using Petal responsibly can help you improve your credit score over time, which can be important if you ever plan to finance a car, start a small business or purchase a home.

Manage Your Money Better

We help you manage your money responsibly with automated payments and reminders, so you never forget when bills are due.

Feel Safe and Secure

We’re serious about security, so we encrypt and protect account data to help keep your information secure.

Get Great 24/7 Support

You don’t need to visit a branch to get answers. The Petal support team is available around the clock to make sure you’re always good to go.

Get Approved Without a Credit Score

We look beyond your score. Instead, our technology analyzes the money you make and the bills you already pay to help you qualify.

Integrate Seamlessly with Your Bank

Petal works with over 15,000 financial institutions, so applying and setting up payments is incredibly simple. No switching required.

Understand the Terms

We hate fine print too. Everything you see and do with Petal is crystal clear and we help you make smarter choices with your money.

Forget About Deposits

Seriously. You can actually get credit without having to dish out a $500+ deposit. Welcome to the world of real credit.

Better than other new-to-credit cards

Petal
Leading Intro Credit Cards1
Credit Limit
$500 – $10,000
$300 – $500
Fees
None
Annual Fee
International Fee
Late Fee
Overlimit Fee
Variable APR
14.74% – 25.74%
25.49% – 29.99%
Credit Score Needed
No FICO Score Required
Poor – Good Credit Required
1. Comparisons based on leading introductory credit card products: Platinum Credit Card from Capital One, Capital One Secured Mastercard, Build Card from Republic Bank & Trust Company, Macy’s Credit Card from Department Stores National Bank.

We’re launching in private, invitation-only beta.

Be one of the first to get invited by joining the waitlist.

*Pricing Details: Credit limits from $500 to $10,000, absolutely no fees,
and variable APRs of 14.74% to 25.74%. APRs are based on the U.S.
Prime Rate accurate as of 06/19/18.