Where credit meets financial history.

Variable APRs range from 15.24% – 31.74%ⁱ. Cards issued by WebBank.
Variable APRs range from 14.49% – 30.99%ⁱ. Cards issued by WebBank.

A new approach
to credit.

When you apply for Petal, we may use your banking history to instantly create a Cash Score — a measure of your creditworthiness based on income, spending, and savings2. It could help you qualify for a better credit card, even if you've never had credit before.

Link your bank account and it may increase your chances of:

Petal card approval
for eligible applicants
A higher limit
when you link an account after approval

Your banking information helps us understand your financial picture and could qualify you for better terms.

One mission. Two cards.


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.