We use machine learning to analyze your full digital financial record—not just your credit score.
No fees, seriously
No annual fees, late fees, foreign transaction fees, or any-other-kind-of-fee, fees.
$500 - $10,000 limits
Higher limits tailored to your finances to keep your utilization low, a key component to building credit.
Grow your credit score
Used responsibly, the Petal credit card can help improve your credit score, which you’re probably going to want if you ever plan to buy a car or a house.
Manage your money
With the help of our partners, we support over 14,000 financial institutions, so you can manage your money and track your spending in one place.
Feel safe and secure
We’re serious about security, so we encrypt and protect account data to keep your information safe.
Get help 24/7
You no longer need to check your bank’s hours to get answers. The Petal support team is available around the clock.
$500 – $10,000
None at all
15.24% - 26.24%
Overdraft Fee International Fee
Intro Credit Cards*
$200 – $500
Late Fee International Fee Overlimit Fee Annual Fee
23.90% – 29.99%
*Curious where we got this info? We looked at these cards on 10/1/18: Capital One Secured Mastercard, Total Visa Credit Card, Surge Mastercard, Indigo Platinum Mastercard, Bank Of America Checking (Debit), Chase Total Checking (Debit).
It's all in the details.
See if you're pre-approved without impacting your credit score.