Petal Card Review: Build Your Credit Without The Stress

Are you sick of the same old process of needing credit to build credit?

With the Petal Card, your days of obsessing over your credit score and dealing with increasingly strict lenders may be a thing of the past.

Petal’s founders created a modern card to help you build credit by taking a more holistic approach to their applications.

Whether you are rebuilding your credit or completely new to the credit card world, the platform has a perfect card for you.

Let’s discuss what Petal is, their cards’ features, and how to apply for one today!

What Is Petal?

With so many credit cards popping up left and right, Petal has stood out as one of the best starter cards in the market today.

The company was founded with the idea of helping those who’ve had trouble having access to credit cards in the past. Using their innovative CashScore, they use your income, banking history, and other data to get a bigger picture of your financial situation.

A holistic approach to its application process ensures more people have a shot at building a healthy credit score.

What Features Does Each Petal Card Offer?

One of the unique aspects of Petal is its two-card system, designed to accommodate different credit backgrounds and financial needs. Let’s dive into each one’s details:

Petal 1

The Petal 1 Family Visa Credit Card may be for you if you’ve had some hiccups with your credit history or have a limited one.

It offers a credit limit ranging from $300 to $5,000, determined based on your credit history, income, and expenses.

The card has a higher-than-average variable APR ranging from 24.99% to 34.49%. But on the bright side, it doesn’t charge any annual or foreign transaction fees.

As an added bonus, it offers a 2-10% cash back at specific merchants, quite rare for a starter card!

Petal 2

Petal 2 is the go-to card for those with no credit history or a brief one. It offers a credit limit between $300 and $10,000, which is a much more comprehensive range than Petal 1.

Like its sibling, Petal 2 has no annual or foreign translation fees.

But it’s also full of added features like cash back on all everyday purchases and bonus cashback reward programs at specific merchants. Its APR is also slightly lower, ranging from 17.99% to 31.99%.

Is Petal Safe To Use?

Petal takes its users’ security seriously. The platform has bank-level safety features in its mobile app and online application. It also believes in protecting your data, so Petal ensures to keep it safe and not share it with any third party without your permission.

Many users also love using their Petal Cards and love how the platform gives them a chance to build their credit:

“I had no credit at all, and Petal used my bank accounts as proof that I was financially responsible to approve me for a credit card. Now I’m building my credit thanks to them,” says Linck B, a satisfied Petal user.

How To Sign Up For A Petal Card

Signing up for a Petal card is relatively straightforward. Here’s what you need to do:

  1. Click on “Apply Now” and go to the registration page.
  2. Fill out your personal information, including your name, address, and SSI.
  3. Download the app on iOS or Google Play and create an account.
  4. Once you’re approved, your card should be there within 6-10 days!

Remember, Petal has a holistic way of reviewing each applicant. Even if you don’t have a perfect credit score, go ahead and apply for one.

Petal Card: Pros And Cons


  • No annual fees
  • No foreign transaction fees
  • Flexible approval process
  • Earn cash back with certain merchants


  • No welcome bonus
  • APR can be high, especially for Petal 1

The Bottom Line

In conclusion, the Petal card is one of the best options to build your credit without the hassle of having a perfect credit score.

Besides their unique evaluation system, both cards offer sweet cashback rewards and zero annual fees.

So why not give it a go? Sign up for a Petal card and start building a better credit score right away!

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