What’s the difference between Petal 1 and Petal 2?

Petal 1 is a card designed for those with low-to-fair credit or cash flow who are seeking to improve their credit score. Petal 1 members are subject to late payment and returned payment fees

Petal 2 is our most advanced card yet, and it’s designed for those with fair-to-good credit or cash flow. 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. If you were approved for a Petal card before October 1 2020, then you have a Petal 2 card. 

To see which card is the best fit, just complete the first part of the application (the pre-approval application). You’ll be able to see which card you’re pre-approved for, without an affect to your credit score. If you aren’t pre-approved for Petal 2, you may be eligible for Petal 1.

Both cards come loaded with 2% - 10% cash back Offers from top brands and over 500 local businesses. For the full rundown on how the Petal cards compare, click here.


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