A better way to start building credit — now available!

#5 Product of the DayOctober 02, 2018

Petal is a no-fee credit card designed to help you manage money and start building credit, even if you’ve never had credit before.

The wait is over — applications for Petal are now available to the public, with a fresh new iOS app.

The Petal credit card is issued by WebBank, Member FDIC. Variable interest rates range from 14.74% - 25.74%.

Would you recommend this product?
7 Reviews5.0/5
Beautiful @webflowapp site! ✨
unfortunately it wasn't clear to me from all the wording/positioning about not needing a credit rating, that the last step is in fact a hard pull on your credit report.
@_jacksmith Thank you for posting this, I can't afford to get another hard pull on my credit history at the moment.
Hey PH — this is Jason, Co-Founder and CEO of Petal. Our team has been hard at work since last September when we first announced our product, and I’m excited to share that Petal has officially launched and is now available to the public, along with an iOS app in the App Store. Petal fixes an important problem: many of today’s credit systems, products, and services aren’t exactly designed to help people succeed as they start building their credit. Starter credit cards often come with high interest rates, very low limits, and lots of fees.[1] In fact, the credit card industry rakes in a whopping $50B in fees each year.[2] The hard truth is that many people hoping to build credit, end up building debt instead. Because of this, we tasked ourselves with creating a solution. And today, we’re thrilled to announce that the Petal credit card is now publicly available on our website at But this isn’t just a new piece of plastic, it’s a new kind of product designed to help you succeed. 1) Our technology helps more people qualify for a credit card, even if they have yet to start building a credit history. If you have a credit history – that’s great, but even if you don’t, we can use the money you make and the bills you already pay to help you qualify. Petal is designed to give people access where others won’t, backed by some of the best partners in the industry, and works anywhere Visa is accepted. 2) We’ve worked hard to create a radically simplified user interface and mobile app, making it effortless to manage your money, track your spending, and build credit without thinking much about it. We show you all of your accounts in one place, send you timely payment reminders to stay on track, and let you automate payments so you never miss a beat. And before you carry a balance past your due date and pay interest, Petal tells you in actual dollars – not just percentage rates – how much it’s going to cost. You won’t find many other credit cards doing that. Petal is made up of designers, engineers, product people, advocates, and industry vets who know what to do (and what not to do). We’re using better technology to create the most advanced, intuitive, and user-friendly credit cards on the planet, designed, from the ground up, to help you to financially succeed. Thanks for taking a look! We’d love your feedback and we’re happy to answer any questions. 1 2
Congrats on the launch Petal team! How did you decide to tackle the credit card space as well as convince investors around the vision?
@charleyma 👋 We decided to tackle the credit card because it is far and away the most popular financial tool that people use to establish and build credit. And, at least in our humble opinion, it's a space that could use some fresh thinking. It was a bit of an uphill climb getting investors comfortable in such a complicated and highly-regulated industry, but we were lucky enough eventually to find the right investors that shared our vision for honest, simple, accessible financial products. Thanks for the great question!