Expanding access through technology.

Name: Petal 1 Visa Credit Card
Brand: Petal Card

Variable APRs range from 23.74% - 33.24%ⁱ
Cards issued by WebBank, Member FDIC
Pricing and Fee Details

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Fees

No Annual Fee

Credit Limit

$300 - $5,000

APRs

23.74% - 33.24%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 can look 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.

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Local Offers

Cash back right around the corner.

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

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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 foreign transaction fees

Take Petal 1 with you wherever you go.

Help avoiding late fees

Turn on AutoPay and never miss a payment.

No wallet? No problem.

Built for speed, security, and a post–global pandemic world. Connect your Petal card to Apple Pay® or Google Pay™ on your phone, tap and go.

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 foreign transaction fees

Credit limit

$300 - $5,000

$300+

$300

APR

23.74% - 33.24%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

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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 12/02/2022 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.

Expanding access through technology.

Higher limits, better rates, no annual fee.

credit limit

Increase your limit.

Local Offers

Cash back right around the corner.

credit score

Grow your score

Spend Planner

Control your spending.

Here to help you succeed.

No wallet? No problem.

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