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 and you can get approved for a credit limit between $300 - $5,000. 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. You can get approved for a limit between $300 - $10,000. 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!
Bad Company
Bad company, they charge $8 a month for membership fees without properly telling/letting you know. Bad customer service, and they trick you into thinking that you can upgrade to there Petal plus card!
United StatesIt’s whatever
Was a good card for a few years when I was rebuilding credit but they decided to tack on the fee all of a sudden. It’s a low value card so I closed it. The app needing updating every darn day was annoying too. It’s served its purpose and now I don’t need it. Good riddance.
United StatesGreat card for beginners, Not recommended for experienced card users
Had this card for a while now have always been extremely responsible with it so I can’t talk about their fees or interest. One thing I will say is the app is extremely easy to use and understand. The main issue I have with the card is once you hit their final rewards point there are no further credit increases or cash back incentives to make me want to use this card on a day to day. I keep the account open but I wish they offered more to credit users with a good history and score is all. Highly recommend for new credit users tho.
United StatesSlooooooowwwwww
So slow it feels like a scam but it’s not it’s just awful. It can seriously take a week or more to update your account after a payment is made. I’ve never seen a card take longer. Oh and they down graded me after years of paying on time and never missing. Pretty awful card
United StatesWORST CC TO GET WITH NO CREDIT
Ive had a credit line with this company for a few years, the only reason i have one with them is because they were the only cc company to accept my application considering i was young and had no established credit. It was fine when i paid on time until i lost my job and my financial/ living situations changed and I couldn’t keep up with the payments. The interest on this card is HIGH at 33% and they dont allow bank transfers or give credit limit increases. If your payment bounces from your bank and you pay a day late they charge $30 fee no remorse. They offer NO FORGIVENESS whatsoever and I was declined for a credit limit increase so i can pay it off and not have so much interest even though i have a good history of my account paying on time and in full. they are charging me almost $45 a month in interest and that’s nearly half of what i can afford to pay every month. this company only cares about money and is a scam to get people with no credit to work with them so they can make money off of them with high interest. After i pay it off closing my account. my other credit lines dont do this. Literally go to any other place to get a credit card!
United StatesFake
Doesn’t approve you just basically waste your time don’t recommend this
United StatesLove this card!!
This is a very innovative card and I love it!!
United States
Usability improvements and bug fixes.
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