The Petal 1 Family of cards is designed to help you build credit responsibly, whether you're establishing credit for the first time or rebuilding your score.
Petal 1
Petal 1 Rise
Annual membership fees
$0
$59
Cash back
at selected merchants
at selected merchants
No foreign fees
on transactions
on transactions
APR
29.49% – 34.49%1
variable
29.49% - 35.24%1
variable
Petal 1
Build credit without an annual membership fee.
Annual membership fee
$0*
Cash back
at select local & national merchants
2% – 10%
Variable APR
29.49% - 34.49%1
Path to a credit limit increase
Terms apply2
Petal 1 Rise
Build credit, simply.
Annual membership fee
$59*
Cash back
at select local & national merchants
2% – 10%
Variable APR
29.49% - 35.24%1
Path to a credit limit increase
Terms apply2
*Card fees and terms may vary for members acquired prior to 5/16/23.
App Features
Take control with credit-friendly features.
Understand the path to a limit increase.
With the Leap program, earn rewards like a credit limit increase and account badges by completing credit health challenges designed to build responsible credit behavior and celebrate the wins. Terms apply.
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.
Pay in full or carry a balance — pick your best payment strategy with estimated interest in mind.
Keep tabs on your account.
Enable push notifications to see your transaction activity in real time.
The Petal 1 Family is on a mission to expand credit access with manageable options and no hidden fees.
Petal 1
Petal 1 Rise
Milestone Gold Mastercard
Annual Fees
$59*
$175 first year; $49 thereafter
Second year includes monthly fees of up to $12.50 ($150 annually)
Cash back
at select merchants
at select merchants
No foreign fees
on transactions
on transactions
on transactions
Variable APR
29.49% - 34.49%1
on transactions
29.49% - 35.24%1
on transactions
35.90%
variable
According to Platinum Mastercard Capital One, and Credit Karma websites as of date 12/12/22.
* Card fees and terms may vary for members acquired prior to 1/31/24.
Lose the unnecessary fees.
Petal 1 travels well.
There is no foreign transaction fee.
Help avoiding late fees.
Enable AutoPay so you don't miss scheduling a payment.
Credit history made simple.
Pay from your phone.
Add your Petal card to your mobile wallet for easy, on-the-go payments.
Designed to build credit.
We report to the major bureaus so you can grow your credit score with responsible credit use.
Tap to it.
Equipped with contactless payment technology for fast & secure checkouts — simply tap and go.
Build credit securely.
Freeze your card.
With a tap in the Petal app, you can freeze your card to protect your account.
Protection from fraud.
Petal’s fraud detection technology can quickly spot suspicious card activity and take action.
Keep your data safe.
Your credit data is crucial — rest assured Petal encrypts and protects your personal information.
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 our applicable criteria bearing on creditworthiness and any other of our eligibility criteria, which we determine in our sole discretion. 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 our requirements, or upon consideration of other accounts you may have.
1The variable APR range is accurate as of 10/01/2024 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.
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