Expanding access through technology.

Variable APRs range from 19.99% - 29.49%
Cards issued by WebBank, Member FDIC
Pricing and Fee Details

No Annual Fee
(late and returned payment fees may apply)
Credit Limit
$300 - $5,000
19.99% - 29.49%
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.

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
Milestone Gold Mastercard
Cash back at select merchants
No annual fee
No international fees
Credit limit
$300 - $5,000
19.99% - 29.49%
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

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.

ⁱ 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.