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Designed to build credit.
Variable APRs range from 15.24% - 31.74%i. Cards issued by WebBank, Member FDICPricing and Fee Details
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One mission. Two cards.
See how the Petal cards compare.
No annual or international fees
No late or returned payment fees
Cash back on all purchases
Cash back on select merchants
Path to a credit limit increase
APR (variable)
20.24% - 29.74%
13.24% - 27.24%
Credit limit
$300 - $5,000
$300 - $10,000
Petal 1
Expanding access through technology.
2% - 10% cash back at select merchants
$300 - $5,000 limits
22.24% - 31.74%i variable APRs
No annual fee
Path to a credit limit increase
Petal 2
Responsible credit without fees.
1% - 1.5% cash back and more offers
$300 - $10,000 limits
15.24% - 29.24%i variable APRs
No fees of any kind
Path to a credit limit increase
See how the Petal cards compare
No annual or international fees
No late or returned payment fees
Cash back on all purchases
Cash back on select merchants
Path to a credit limit increase
APR (variable)
19.99% - 29.49%
12.99% - 26.99%
Credit limit
$300 - $5,000
$300 - $10,000
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Petal 1
Petal 2
New to credit
I’ve never had a credit card, car loan or mortgage.
I’ve never had a credit score.
I’m a student, a person new to the U.S., or an authorized user on someone else’s credit card.
I maintain a healthy balance in my checking/saving accounts.
Petal 1
Average credit
I haven't defaulted on a loan in the past 2 years.
I have a limited credit history, 3 years or less.
I’m a gig/part-time worker without a predictable income.
I maintain a healthy balance in my checking/saving accounts.
Petal 2
Good credit
I haven't declared bankruptcy or defaulted on a loan in the last 4 years.
I haven't been more than 30 days late on any credit card, medical bill, or loan in the
last year.
I have had a loan or credit card for 3 years or more with a credit limit above $3000.
Information provided is for reference and fitting this criteria does not guarantee approval.
A new approach
to credit.
When you apply for Petal, we use your banking history to instantly create a Cash Score — a measure of your creditworthiness based on income, spending, and savings. It could help you qualify for a better credit card, even if you've never had credit before.
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Germ-free payments.
Built for speed, security, and a post-global pandemic world. Just look for the contactless symbol wherever you pay, tap and go.
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Don't take our word for it.
“Petal uses a more holistic and comprehensive underwriting model to determine the creditworthiness of credit card applicants compared to traditional banks that rely predominantly on an applicant’s FICO score.”
January 2019
“When people sign up for the card, they’re given access to an app that advises them on money management decisions–the app will tell people it’s good to aim to pay off their whole credit bill at the end of the month, but will not penalize them if they can’t.”
February 2019
“Its ‘radically simplified’ user interface and mobile app makes it easy to manage money, track spending and build credit without thinking about it.”
October 2018
“Its ‘radically simplified’ user interface and mobile app makes it easy to manage money, track spending and build credit without thinking about it.”
October 2018
“When people sign up for the card, they’re given access to an app that advises them on money management decisions–the app will tell people it’s good to aim to pay off their whole credit bill at the end of the month, but will not penalize them if they can’t.”
February 2019
“Petal uses a more holistic and comprehensive underwriting model to determine the creditworthiness of credit card applicants compared to traditional banks that rely predominantly on an applicant’s FICO score.”
January 2019
