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The Petal 1 Credit Card is one of the most inclusive credit products available today.
Built specifically for people who might not have a strong, or any, credit history, this card gives more people the opportunity to enter the world of credit responsibly.
Unlike most credit cards, which require a credit check and often a good score for approval, Petal 1 takes a broader view. It uses a unique data-driven approach that considers your income, savings, and spending habits—even if you’ve never had a credit card before.
This means that whether you’re a college student, an immigrant building a new financial life in the U.S., or someone recovering from past mistakes, you still have a fair shot at being approved. And once you’re in, you’re rewarded with tools that help you grow smarter and stronger financially.
Petal 1
No annual fee Higher APRHow does the Petal 1 Credit Card work?
Petal 1 operates on a hybrid approval system. You can be approved based on traditional credit data if you have it, or—if not—it will evaluate your banking history using what’s called a Cash Score. This allows people without any credit history to be approved if they’ve shown responsible financial habits with their bank accounts.
Once approved, you’ll receive a credit limit between $300 and $5,000, depending on your financial profile. The card can be used anywhere Visa is accepted, both in-store and online, and you can manage everything through the sleek and simple Petal app.
Each month, your payment behavior is reported to all three major credit bureaus, which helps build or rebuild your credit profile over time. On top of that, there’s no annual fee, no required deposit, and no hidden maintenance charges.
Main benefits for the Petal 1 Credit Card
Petal 1’s biggest advantage is how it opens the door to credit for people who would otherwise be locked out. The Cash Score system is a true game-changer, leveling the playing field by looking at how you manage your money rather than judging you solely on past credit mistakes.
The app itself offers a complete dashboard for financial wellness. You’ll see where your money is going, track your monthly bills and subscriptions, and even receive reminders to avoid late payments.
It turns your card usage into a guided experience instead of just a bill.You can also earn up to 10% cashback at select merchants, which is a pleasant bonus considering this isn’t a premium rewards card. It’s a practical benefit for day-to-day spending at places you already frequent.
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Cons for the Petal 1 Credit Card
While Petal 1 is excellent for accessibility and credit building, it’s not the best fit for everyone. The first downside is that its cashback program is limited to select merchants, not a flat rate on all purchases like some competitors offer.
The APR can also be high if you carry a balance, ranging between 25.24% and 34.74% variable. For users who don’t pay their full statement each month, this can become expensive quickly.
And while Petal 1 offers some flexibility, it doesn’t support balance transfers or cash advances. This is not a card designed for those who need emergency liquidity—it’s meant for safe, responsible spending.
APR and Fees Overview
Petal 1 keeps its fee structure transparent:
- Annual Fee: $0
- Purchase APR: 25.24% to 34.74% (variable)
- Late Payment Fee: Up to $40
- Returned Payment Fee: Up to $29
- Foreign Transaction Fee: 1.5%
There’s no surprise cost for simply holding the card, but carrying a balance can get expensive. As such, it’s highly recommended to pay off your full balance monthly to avoid high interest charges.
How to Apply for the Petal 1 Credit Card
- Download the Petal app to manage your card and track your credit
- Go to the Petal Card official website
- Choose “Petal 1” and click “Check your offer”
- Fill out the pre-approval form (this won’t affect your credit score)
- Connect your bank account if you don’t have credit history
- Review your offer and credit limit
- Submit the application and wait for a decision
- If approved, your physical card will arrive in 7–10 business days
