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

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

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

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!

From version Petal 5.1.2:
All versions
Petal 5.1.2
May 25, 2023


Uploaded:May 25, 2023 at 5:20AM UTC

File size:36.55 MB


Petal 5.1.0
April 27, 2023


Uploaded:April 27, 2023 at 3:46PM UTC

File size:36.54 MB


Petal 5.0.1
April 17, 2023


Uploaded:April 17, 2023 at 7:03PM UTC

File size:37.29 MB


Petal 5.0.0
April 11, 2023


Uploaded:April 11, 2023 at 8:32PM UTC

File size:37.29 MB


Petal 4.16.2
March 27, 2023


Uploaded:March 27, 2023 at 10:08PM UTC

File size:37 MB


Petal 4.15.0
November 18, 2022


Uploaded:November 18, 2022 at 7:42PM UTC

File size:31.85 MB


Petal 4.14.3
September 9, 2022


Uploaded:September 9, 2022 at 3:32PM UTC

File size:32.18 MB


Petal 4.12.3
August 1, 2022


Uploaded:August 1, 2022 at 5:49PM UTC

File size:32.14 MB


Petal 4.11.10
June 29, 2022


Uploaded:June 29, 2022 at 12:41AM UTC

File size:30.05 MB


Petal 4.10.7
March 18, 2022


Uploaded:March 18, 2022 at 2:02AM UTC

File size:62.7 MB