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

27.99% - 31.49%¹

Path to a credit limit increase

Terms apply²

Learn more

Petal 1

Build credit without an annual membership fee.

Annual membership fee

$0*

Cash back

at select merchants

2% - 10%

Cash back

2% - 10%

at select merchants

Variable APR

29.49% - 34.49%¹

Path to a credit limit increase

Terms apply²

Learn more

Petal 1 Rise

Build credit, simply.

Annual membership fee

$59*

Cash back

at select merchants

2% - 10%

Cash back

2% - 10%

at select merchants

Variable APR

29.49% - 35.24%¹

Path to a credit limit increase

Terms apply²

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.

Petal can look beyond just a credit score and consider responsible spending and saving behavior.

Unlock the best offer available.

With bank data, we can extend the best possible offer, even to those who would otherwise be declined on a credit score alone.

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.

Card features

A card that works as hard as you do.

Designed to build credit.

We report 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

I love the simplicity of the card and the app. Making payments is super easy. The cash back perks are great. Already recommended it to a few friends.

Kaylee T.

on using the app with the card

Everything about the card and the app in your whole entire process is really refreshing and exciting. Usually checking your balance or your bills can be stressful but I really enjoy using the Petal app and the way you communicate with me!

Michael K.

on using the app with the card

I had no credit at all and Petal used my bank accounts as proof that I was financially responsible to approve me for a credit card. Now I'm building my credit thanks to them.

Linck B.

on bank linking

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.

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.

³Cash 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%

27.99% - 31.49%1

$0*

2% - 10%

at select merchants

29.49% - 34.49%1

$59*

2% - 10%

at select merchants

29.49% - 35.24%1

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

Boost the odds of card approval.

Link a bank account.

Show off financial history.

Unlock the best offer available.

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.

27.99% - 31.49%¹

29.49% - 34.49%¹

29.49% - 35.24%¹