At Petal, our mission is to make financial innovation and opportunity accessible to everyone. By leveraging modern technology, we help individuals build credit, avoid debt, and spend responsibly—without relying solely on traditional credit scores. Instead, we analyze millions of data points to extend credit to more people, including those who are new to credit.
We offer two card options designed to meet different needs:
PETAL 1: Ideal for those looking to establish or improve their credit history. This card has no annual fee, making it an accessible choice for beginners. Please note that late and returned payment fees may apply. For current APR information, visit https://www.petalcard.com.
PETAL 2: Our most advanced card, offering the benefits of cash back without the burden of fees—no annual fee, no late payment fees, no foreign transaction fees, and no fees of any kind. Check out our current APR ranges at https://www.petalcard.com.
Both cards feature:
More Cash Back at More Places: Earn 2% to 10% cash back with top brands and over 500 local businesses.
Stay in Control: Use our app to track your credit score, set budgets, manage subscriptions, and view all your accounts in one place.
Built to Build Credit: We report to all three major credit bureaus, and no prior credit history is required to qualify.
Great Rates: Our advanced technology enables lower variable APRs, putting better rates within reach.
Thank you for taking the time to learn about Petal—we’re here to help you achieve your financial goals.
