Bringing financial opportunity and innovation to everyone.

Bringing financial opportunity and innovation to everyone.

How does it work?

Unlocking the power of your data.

Until recently banks owned their customer's banking history. If you switched banks your history wouldn't come with you. Not anymore. Thanks to modern technology and new regulations¹, your banking history belongs to you. This has created new possibilities for how people manage their money. And even apply for credit.

Our System

Credit scores don't tell the whole story.

Traditional banks often overlook millions of data points that could help you get approved. At Petal, we analyze your banking history and transform it into a Cash Score — an alternative measure of your creditworthiness based on income, savings, and spending history. This allows more people to be approved with better rates, even if they've never had credit before.

The Benefit

Help building credit, not debt.

After approval, we give you all the tools you need to build positive credit history and track your score. Your Petal card activity will be reported to all three major credit bureaus. Plus you can set a budget and freeze your card at any time.

Who is Petal for?

Information provided is for reference and guidance and fitting this criteria does not guarantee approval.

Our Partners

Our Partners

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.

¹https://files.consumerfinance.gov/f/documents/cfpb_brown-statement_symposium-consumer-access-financial-records.pdf

¹https://files.consumerfinance.gov/f/
documents/cfpb_brown-statement_symposium-consumer-access-financial-records.pdf