A no-fee card that can approve people with thin credit using banking history.
Rates, fees and offers
- Regular APR
- 28.24%–33.24% variable
- Annual fee
- $0
- Promo offers
- None currently advertised
- Balance transfer fee
- See issuer terms
- Rewards
- 1% to 1.5% cash back on eligible purchases after on-time payments, and up to 10% at select merchants. Approval can use your banking history instead of a credit score.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
The APR is high (from about 28%). Use it to build credit and pay in full.
Paying and contacting Petal
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Petal cards → · Search all cards
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