Petal

Petal Card

About this app

Petal's aim is to bring financial innovation and opportunity to everyone. We use modern technology to help people build credit, avoid debt, and spend responsibly. Instead of looking at just credit scores, we use millions of additional data points to help more people qualify for credit, even if they've never had it before.

PETAL 1 is designed for those who are seeking to improve their credit score. It has no annual fee. See our current APR ranges at https://www.petalcard.com

PETAL 2 is our most advanced card yet. With Petal 2 you can enjoy all the perks of a cash back card without any of the fees. No annual fee, late payment fee, foreign transaction fee, or any-other-kind of fee. See our current APR ranges at https://www.petalcard.com

MORE CASH BACK AT MORE PLACES - Both cards come loaded with 2% - 10% cash back offers from top brands and over 500 local businesses.

STAY IN CONTROL - With our app you’ll be able to track your credit score, set a budget, manage subscriptions, and see all your accounts in one place so you’re always on top of your money.

BUILT TO BUILD - Petal reports to all three credit bureaus, and previous credit history is not required to qualify.

GREAT RATES - Better technology means lower variable APR’s. See our current APR ranges at https://www.petalcard.com

FEES? - Petal 1 has late and bounced payment fees. But there are no fees of any kind on Petal 2.

UNBELIEVABLE - You actually read this far, thanks!

Ratings and reviews

Gotta give too much of personal bank info. Plus they don't tell you that is the only way they except payment is straight from your account. No bankcard unless you give them the routing & account number with card number. I offered to pay by check cause it has the info on check. I was told it wouldn't be excepted., THE ONLY WAY TO PAY AND BE EXCEPTED IS DIRECTLY FROM MY BANK ACCOUNT. So I closed account. Now instead of boosting my credit this will cause it to go down. BEWARE YA'LL !!!!

love petal. first credit card, had it since highschool. I really love the insights page that shows me my updated credit score and a breakdown of how I've spent my money by merchant and by category Something I would really love, petal team - the ability to change the category of a merchant/purchase. For example, a health supplement ordered online might go to the Shopping category instead of Healthcare. being able to change that myself in the app would be awesome 🤩

This was my first credit card. I found it through NerdWallet, and got approved. Making auto payments is so easy, and you earn cash back. And as you continue to grow and pay on time, you automatically get a bigger spending limit. I would recommend to anyone who has no credit or is trying to fix. So easy to work with, and no hassle, even when someone else tries to use your card! 10/10

What’s new

Usability, performance improvements, and bug fixes for better app stability.