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Petal

A simple, no-fee credit card

4.8/5
About

Build credit, track spending and manage money better, all with no credit score required.

8 Reviews
 +27 reviews
  • diymanikDesign @ Thistle Health
    Pros: 

    No credit score required is a life saver for building credit

    Cons: 

    Make it faster to get started maybe?

    Just moved to SF from Canada and I've spent the past month and a half struggling to get my finances setup. I don't have a credit history and my Canadian bank doesn't provide a decent cross border account so I have to start completely from scratch. Even though I make a decent salary I've been rejected by Simple, Chime, Final, Capital One, and Chase, all because I don't have an American credit score. If this service works as advertised it will be one of the most useful and timely services I will have used in my life.

    Comments (1)
  • Pros: 

    simple UI, low APR, and no fees

    Cons: 

    rewards (coming in a while!)

    Full disclosure: I work at Petal, and I work here because I think this is an awesome product, especially for people new to credit, recent immigrants, and first time credit card owners.

    Nik Milanović has used this product for one day.
  • Diane MurrayMarried middle income
    Pros: 

    Nice

    Cons: 

    Not different

    They say they are better than the rest, but turned me down for their card. Checked my account and pulled my credit. Said I dont have cash flow and my credit wasnt good enough. My account shows a cash flow of 7000 and my credit score is close to 700. Different? Really? I'll stick with capital one.

    Diane Murray has used this product for one day.
  • Fritz Rodriguez Jr.Founder/Lead Developer - SBM
    Pros: 

    Might be a good options for those trying to rebuild their credit

    Cons: 

    Not sure yet, maybe to learn more about the approval process?

    Definitely interested in seeing how this turns out!!

  • Jake YormakInvestor
    Pros: 

    Transparent credit process that rewards responsible people and doesn't rely on esoteric FICO

    Cons: 

    Haven't used the beta yet...excited to test it out though

    Look forward to swiping with Petal!

  • Pros: 

    Exactly what the world needs

    Cons: 

    Too early to tell

    Fixing everything that is wrong with credit cards today!

  • Pros: 

    Enables access for those who may not have a robust credit history

    Cons: 

    Not aware of any cons

    Great concept!

  • Pros: 

    it ie new and beneficial

    Cons: 

    expand its limits

    we needed something like this for a long time