How do Petal cards compare to other new-to-credit cards?

When assessing creditworthiness, traditional banks often overlook millions of data points that could help you get approved. At Petal, in addition to your credit score, we can analyze your banking history and transform it into a Cash Score — an alternative measure of creditworthiness based on income, savings, and spending history. This allows more people to be approved with better rates, even if they've never had credit before. 

The full range of rates on Petal cards can be found on our website.


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