Petal - Responsible credit for the modern world.

Featured cards

Cards for every type of credit builder.

Petal 2

All rewards, no fees.

Annual membership fee

No fees of any kind*

Cash back

on everyday purchases

1% – 1.5%

Variable APR

28.99% – 30.99%¹

Path to a credit limit increase²

Learn more

Petal 1

Build credit without an annual membership fee.

Annual membership fee

$0*

Cash back

at select merchants

2% - 10%

Cash back

at select merchants

2% – 10%

Variable APR

28.99% – 33.99%¹

Path to a credit limit increase²

Learn more

Petal 1 Rise

Build credit, simply.

Annual membership fee

$59*

Cash back

at select merchants

2% - 10%

Cash back

at select merchants

2% – 10%

Variable APR

28.99% – 33.99%¹

Path to a credit limit increase²

Learn more

*Card fees and terms may vary for members acquired prior to 5/16/23.

Boost the odds of card approval.

Link a bank account.

Eligible applicants can leverage their bank data quickly and securely during the Petal application.

Show off financial history.

Sharing a real-time snapshot of savings and spending can show you’re ready for credit, regardless of your credit past.

Give yourself the best shot.

Bank data increases the likelihood of receiving an offer if you would otherwise be declined on credit score alone.

App Features

Take control with credit-friendly features.

Understand the path to a limit increase.

With the Leap program, earn a credit line increase in 6 months by making qualifying on-time payments. Terms apply.²

Track your score.

Stay up to date on your credit score in the app.

Find cash back near you.

Earn 2% – 10% cash back at select local and national merchants.³

Know before you owe.

Enjoy payment flexibility ⎯ pay in full or carry a balance.

Keep tabs on your account.

Enable push notifications to see your transaction activity in real time.

Card features

A card that works as hard as you do.

Designed to build credit.

Your account is reported to the major bureaus so you can grow your credit score with responsible credit use.

Pay from your phone.

Add your Petal card to your mobile wallet for easy, on-the-go payments.

Tap to it.

Equipped with contactless payment technology for fast & secure checkouts — simply tap and go.

Hear from real Petal credit-builders.

More testimonials

Interface is easy to use and intuitive, all the info provided is very clear, they were my first credit card, I 100% recommend them

Azure F.

May 2024

It's a wonderful option when you don't have any credit history and they are giving cash back. I applied in different institutions but Petal was the only one who opened their door to me accepting my request. Just check it out.

Tina A.

May 2024

Very simple and easy access. Thanks for making my life FREE from unnecessary STRESS.

E. Henry

June 2024

More testimonials

See if you’re pre-approved for Petal.

No credit check required.

See card offers

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 the applicable criteria bearing on creditworthiness and any other eligibility criteria. 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 the applicable requirements, or upon consideration of other accounts you may have.

¹ The variable APR range is accurate as of 12/01/2024 and may vary with the market based on the Prime Rate.

² Terms apply

³ Cash back merchants and offers can vary throughout the year and are personalized. You must meet the individual offer terms to receive cash back. In the past six months, Petal members received at least one cash back offer from an advertised merchant.

1 The variable APR range is accurate as of 12/01/2024 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.

3 Cash back merchants and offers can vary throughout the year and are personalized. You must meet the individual offer terms to receive cash back. In the past six months, Petal members received at least one cash back offer from an advertised merchant.

Making credit history.

Cards for every type of credit builder.

No fees of any kind*

1% – 1.5%

28.99% – 30.99%1

$0*

2% - 10%

2% – 10%

28.99% – 33.99%1

$59*

2% - 10%

2% – 10%

28.99% – 33.99%1

Boost the odds of card approval.

Link a bank account.

Show off financial history.

Give yourself the best shot.

Take control with credit-friendly features.

Understand the path to a limit increase.

Track your score.

Find cash back near you.

Know before you owe.

Keep tabs on your account.

A card that works as hard as you do.

Designed to build credit.

Pay from your phone.

Tap to it.

Hear from real Petal credit-builders.

No credit check required.

28.99% – 30.99%¹

28.99% – 33.99%¹

28.99% – 33.99%¹