Petal won’t cost you a dime if you pay your full Statement Balance on-time each month. Petal has zero fees, and interest is only charged on any unpaid Statement Balance after the due date.
If you spread your payments out over time, Petal helps you calculate how much interest you’ll accrue as a result. And, unlike most credit cards, interest isn't charged on new purchases. Instead, interest is only charged on purchases you don’t pay off by their due date (which is always at least 21 days after you receive the statement including those purchases).
Read more about Petal’s pricing terms here.