Responsible credit for the modern world.
Variable APRs range from 15.24% - 26.24%
Apply now
The future of credit.
We’re using modern technology to help more people build credit with a card that has higher limits, competitive rates, and no fees whatsoever.
An app built by a tech company, not a bank.
We make it easy to track your spending and manage your money with all of your checking, credit, and other accounts visible in one place.
How does it work?
Link your accounts
Our clever algorithm analyzes more than just your credit score.
See if you’re pre-approved
Get a decision in seconds without impacting your credit.
Build your credit score
Pay on time and help grow your score.
Priced just right.
Credit Limit
$500 – $10,000
APR
15.24% - 26.24%
Fees
None
APRs are variable, based on the U.S. Prime Rate accurate as of 12/28/2018.
What do you mean no fees?
We threw them out. No annual fees, late payment fees, foreign transaction fees, or any-other-kind-of-fee, fees.
No credit score? No problem.
If you have a credit score we’ll look at it, but if you don’t, Petal is one of the only credit cards you can get without a pre-existing credit score or an up front deposit.
Petal is different.
We thought about ways we could use modern technology and a little bit of common sense to help more people build credit. We hope you like it.
See if you’re pre-approved without impacting your credit score.
Apply now