The CardThe AppThe Company
Login
The Cards
The AppAboutLogin
See Card Offers

Expanding access through technology.

Variable APRs range from 22.24% - 31.74%i
Cards issued by WebBank, Member FDIC
Pricing and Fee Details

Start Applying
Fees
No Annual Fee
(late and returned payment fees may apply)
Credit Limit
$300 - $5,000
APRs
22.24% - 31.74%i
Cash Back
2% - 10%
at select merchants

Higher limits, better rates, no annual fee.

Credit scores don't tell the whole story. Petal 1 looks beyond your credit score to create a Cash Score based on your banking history. Your Cash Score shows your creditworthiness and can help you qualify for more credit at better rates.

credit limit

Increase your limit.

With Petal’s Leap program, you can earn a credit line increase in 6 months by making qualifying on-time payments and keeping your credit score within a personalized range.

See Card Offers
Increase your limit.
Local Offers

Cash back right around the corner.

2% - 10% back at select merchants in your area.

Start Applying
credit score

Grow your score

With responsible spending and on time payments. Your Petal activity is reported to the three major credit bureaus and is available in the app.

Start Applying
Spend Planner

Control your spending.

Set a budget and see how much you've left to spend.

Start Applying

Here to help you succeed.

Petal 1 has everything you need to stay on the financial fast track. Pay on time successfully each month, build credit, and avoid paying any fees. Then rinse, and repeat.

No annual fee

No one should have to pay a fee to get access to a credit card.

No international fee

Take Petal 1 with you wherever you go.

Help avoiding late fees

Turn on AutoPay and never miss a payment.

Credit reimagined.
See how the Petal card stacks up.
Capital One
Platinum
Mastercard
Milestone Gold Mastercard
Cash back at select merchants
No annual fee
No international fees
Credit limit
$300 - $5,000
$300+
$300
APR
22.24% - 31.74%i
26.99%
24.9%
According to Capital One, Milestone Gold, and Credit Karma websites as of  02/02/2021
*According to Capital One, Discover It, and Credit Karma websites as of 03/20/20

See which Petal card is right for you without impacting your credit score.

See Card Offers
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.

ⁱ The variable APR range is accurate as of 08/02/2022 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.