We think it's about time a credit card company helped people succeed financially. That's why we designed a credit card experience that charges no fees, helps you spend within a budget, and rewards you when you pay on time.
1% to 1.5% CASH BACK - Petal's cash back grows with you. Earn 1% cash back right away, 1.25% cash back when you make 6 on-time payments, and 1.5% cash back when you make 12.
MORE CASH BACK AT MORE PLACES - Your Petal Card automatically earns up to 10% cash back with select merchants. No opt-in required.
BUILT TO BUILD - Petal reports to all three credit bureaus, and previous credit history is not required to qualify.
NO FEES - With Petal, you don't have to worry about annual fees, late payment fees, foreign transaction fees, or any-other-kind of fee, fees.
GREAT RATES - Better technology means lower variable APR's. See our current APR ranges at https://www.petalcard.com
$500 to $10,000 LIMITS - Higher limits tailored to your finances to keep your utilization low, a key component of a good credit score.
MANAGE YOUR MONEY - We show you all of your accounts in one place and your spending by category, so you're always on top of your money.
UNBELIEVABLE - You actually read this far, thanks!
Bug fixes and performance improvements
Ratings and ReviewsSee All
I had a quite bad credit score actually if you ask me. It wasn’t even in the 600’s I don’t think if that not much over I was instantly approved for this card with a $2500 limit. I thought it was a gimmick but it wasn’t. I love the card. I now have many cards but this one actually has lower interest then my Apple Card my credit one card or first bank MasterCard and the app is also great has many features like showing your debt to how much money you have in your bank account and also free credit score. I would recommend this card to anyone. The only negative thing I can say is that My husband was denied I don’t know how , and once you apply once if you get denied they don’t ever let you apply again which I do think is pretty stupid But my credit score has gone up now since getting this card I was approved for more. Now I have about ten cards and make sure to use them wisely
Update - Love my Card!
This was a great starter card for me. I was so scared about credit and how it worked, but Petal was truly amazing in not only improving my credit score, but just laying everything out in an easy-to-understand way. You always know your balance, how much interest you will owe, and how to avoid interest in the first place. I only got approved for $500 at first, and now have a much better card with a higher limit I use alongside this one, but that’s not putting Petal down in any way. They are even adding new features all the time (recently Apple Pay and cash back rewards), which is something you can’t say about many cards.
The only thing I’m not a fan of is that there is no option to get a credit limit increase in the future as of now.
I left a negative review about the app not working on iOS 13, but it has since been updated. (Though I would LOVE dark mode)
Developer Response ,
Hey Josiah, we appreciate you reaching out and letting us know about this. Our team released an update so it should be smooth sailing now! If you run into any trouble, please reach out to us directly at email@example.com—our team is ready to help. Know that you can login to your Petal account from a web browser, too!
Petal is Amazing!
I usually don’t review apps even if they’re amazing. But petal definitely deserves it. Maybe it’s because they’re relatively new and want to attract the most costumers, but hopefully they continue doing the great job they’re doing. After a speedy application I got accepted quickly too, the card took about a little more than a week to get to me. And ever since then I’ve fallen in love. I use petal to purchase almost everything, the no foreign transaction fees, the monthly statements that make it easy for me to understand what I’m paying and why. They give you store numbers for transactions and a the store or company number where you can reach them if you have any problems. On top of having a super user friendly app, a great looking card, cash back and reasonable rates they have an amazing customer service department. Petal cares! And it shows.
With Family Sharing set up, up to six family members can use this app.