What’s the difference between the different Petal products?

Petal 1 and Petal 1 Rise are designed for those with low-to-fair credit or cash flow who are seeking to improve their credit score. Petal 1 accounts have late payment and returned payment fees. Petal 1 Rise also has an annual membership fee. 

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 membership fee, late payment fee, foreign transaction fee, or any-other-kind of fee.

To see which card is the best fit, just submit a pre-approval request on petalcard.com. You’ll be able to see which card you qualify for without affecting your credit score. If you aren’t pre-approved for Petal 2, you may be eligible for Petal 1 or Petal 1 Rise.

Each card comes loaded with 2% - 10% cash back Offers curated from top brands and over 500 local businesses. For the full rundown on how the Petal cards compare, including rates for each product, click here.

Card fees and terms may vary for members acquired prior to 5/16/23.

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