Variable APRs range from 15.24% - 31.74%i. Cards issued by WebBank, Member FDICPricing and Fee Details
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
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
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.
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.
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.
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.
Built for speed, security, and a post-global pandemic world. Just look for the contactless symbol wherever you pay, tap and go.
“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.”
“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.”
“Its ‘radically simplified’ user interface and mobile app makes it easy to manage money, track spending and build credit without thinking about it.”
“Its ‘radically simplified’ user interface and mobile app makes it easy to manage money, track spending and build credit without thinking about it.”
“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.”
“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.”