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. 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 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.