Responsible credit
for the modern world.

Responsible credit for the modern world.

Variable APRs range from 12.99% –29.49%. Cards issued by WebBank, Member FDIC
Pricing 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
APR (variable)
19.99% - 29.49%
12.99% - 26.99%
Credit limit
$500 - $5,000
$500 - $10,000
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
APR (variable)
19.99% - 29.49%
12.99% - 26.99%
Credit limit
$500 - $5,000
$500 - $10,000
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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 Petal credit card, even if you've never had credit before.

Credit shouldn't be scary.

We provide you with all the tools you need to build credit and thrive. Even if the world is constantly trying to get you to buy stuff.

Don't take our word for 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.”

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.