See My Offers
Petal 1
Petal 2

New to credit

I’ve never had a credit card, car loan or mortgage.

I’ve never had a credit score.

I’m a student, a person new to the U.S., or an authorized user on someone else’s credit card.

I maintain a healthy balance in my checking/saving accounts.

Petal 1

Average credit

I haven't defaulted on a loan in the past 2 years.

I have a limited credit history, 3 years or less.

I’m a gig/part-time worker without a predictable income.

I maintain a healthy balance in my checking/saving accounts.

Petal 2

Good credit

I haven't declared bankruptcy or defaulted on a loan in the last 4 years.

I haven't been more than 30 days late on any credit card, medical bill, or loan in the
last year.

I have had a loan or credit card for 3 years or more with a credit limit above $3000.

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

Designed to build credit.

It takes minutes to see if you’re pre-approved and it won't affect your credit score! We’ll review and present all credit offers available for you.

By clicking ‘See my offers’, you authorize us to evaluate you for multiple Petal credit products. Pre-approval does not guarantee account approval and you must submit a full application for review in order to apply for any pre-approved offer(s) of credit.

Variable APRs range from 12.99%–29.49%. Cards issued by WebBank, Member FDIC
Pricing and Fee Details

Designed to build credit.

Variable APRs range from 14.74%–25.74%
Card issued by WebBank, Member FDIC
Pricing and Fee Details

One mission. Two cards.

One mission.
Two cards.

Petal 1

Expanding access through technology.

  • 2% - 10% cash back at select merchants
  • $500 - $5,000 limits
  • APRs 19.99% - 29.49%
  • No annual fee (Late and bounced payment fees apply).
  • For new or average credit
Petal 1 Card
Petal 1 CardPetal 1 Card
Petal 2

Responsible credit without fees.

  • 1% - 1.5% cash back and more offers
  • $500 - $10,000 limits
  • APRs 12.99% - 26.99%
  • No fees
  • For new or average credit
Petal 1 Card
Petal 1 CardPetal 1 Card

See how the Petal cards compare

No annual or international fees
No late or bounced payment fees
Cash back on all purchases
Cash back at select merchants
APR (variable)
19.99% - 29.49%
12.99% - 26.99%
Credit limit
$500 - $5,000
$500 - $10,000
Card View
Table View

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 at 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 at select merchants
APR (variable)
19.99% - 29.49%
12.99% - 26.99%
Credit limit
$500 - $5,000
$500 - $10,000
Table View
Card View

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 history. It could help you qualify for a Petal credit card, even if you've never had credit before.

Insights

Plan. Budget. Build.

Take control of your money, set a budget, and track your credit score.

Dashboard

Everything in one place.

See what you owe, set up AutoPay, and keep an eye on all your purchases.

Spend Planner

Plan your
month.

Set a budget and see how much
you've left to spend.

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.”

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

By submitting a pre-approval request, you grant your permission to be evaluated for multiple Petal credit products. 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're eligible for a Petal credit card product without impacting your credit score.