The Petal 1 family of cards is great for people who are new to credit or rebuilding their credit score. Petal 2 is great for earning everyday cash back.

Get started here to be considered for all 3 Petal cards and receive your best possible offer.

Petal 1 and Petal 2 have no annual membership fee. Petal 1 Rise has an annual membership fee of $59.

All Petal cards offer 2% – 10% cash back on qualifying purchases at participating local and national merchants. Petal 2 members additionally earn up to 1.5% cash back on all purchases (1% cash back that increases to 1.5% after 12 monthly on-time payments).

If you aren’t approved on credit score alone (or you don’t have a credit score), you can link a bank account to increase your approval odds. Sharing a real-time snapshot of savings and spending can show you’re ready for credit, regardless of your credit past.

Submitting your information for pre-approval is the first part of the application—during this step, only a soft pull is performed, which won't affect your credit score.

If you're pre-approved, you'll be invited to submit your full application for one of the Petal cards you qualify for. Once you apply, a hard inquiry is completed, which may affect your credit score.

If you’re not eligible for a Petal card at this time, Thrive or Cash Advance may be a better fit.