Automatically earn 1% cash back on purchases you make with your card. Earn up to 1.5% cash back after twelve on-time monthly payments.
$500 - $10,000 limits
Higher limits tailored to your finances to keep your utilization low, a key component of building credit.
No fees, seriously
No annual fees, late payment fees, foreign transaction fees, or any-other-kind-of-fee, fees.
Manage your money
With the help of our partners, we support over 14,000 financial institutions, so you can manage your money and track your spending all in one place.
Grow your credit score
With responsible spending and on-time payments, you can grow your credit score. Petal reports to four credit bureaus—TransUnion, Experian, Equifax, and SageStream.
Feel safe and secure
We’re serious about security, so we encrypt and protect account data to help keep your information safe. Additionally, with Petal’s freeze card feature members can temporarily freeze their accounts at any time.
Get help 24/7
You no longer need to check your bank’s hours to get answers. The Petal support team is available around the clock.
Up to 10% back with select merchant offers
All offers are linked to your Petal card without the hassle of having to 'turn on' each offer.
1% – 1.5%
$500 – $10,000
14.49% - 25.49%
APRs are variable, based on the U.S. Prime Rate accurate as of 12/2/2019
How does it work?
Submit your information
Start applying for your Petal credit card – the entire process only takes minutes.
See if you’re pre-approved
Get a decision without impacting your credit score. If we need more information, you will be prompted to link your accounts to allow our clever algorithms to go to work.
Link your accounts
If you haven't already, link your accounts to gain additional insights and features that make managing your finances a breeze.
Build your credit history
Pay on time, grow your score, and earn more cash back. It's that easy.
What do you mean no fees?
We threw them out. No annual fees, late payment fees, foreign transaction fees, or any-other-kind-of-fee, fees.
No credit score?
If you have a credit score we’ll look at it, but if you don’t, the Petal card is one of the only credit cards you can get without credit history or an up front deposit. If we need more information, clever algorithms can analyze more than just your credit score.