Petal® 1 “Rise” Visa® Credit Card

Unlike most cards, Petal looks beyond your credit score. They use a 'Cash Score' that factors in your income, spending, and savings to assess your creditworthiness — making it ideal if you’re just starting out or have a thin file.

Petal shares your payment history with Equifax, Experian, and TransUnion, helping you build credit with every on-time payment.

Unlike secured cards that require you to put down money upfront, this is an unsecured credit card — so you can start building credit without tying up your cash.

Initial limits range from $500 to $3,500, based on your financial profile.

Use the card responsibly and you may qualify for a higher limit over time.

• Free credit score tracking
• Spending insights
• Automatic payment options
• Budget-friendly reminders
• All accessible through Petal’s intuitive mobile app

While you should always aim to pay on time, Petal offers a one-time waiver for your first late payment — giving new users some grace as they learn the ropes.

Traveling abroad or shopping from international sites? You won’t get dinged with surprise fees.

• $59 annual fee — not free like some other beginner cards, but more accessible than many secured options
• Higher APR (variable) — common with entry-level cards, so it’s best to pay off balances in full each month

• Have little or no credit history
• Want to build or rebuild your credit
• Prefer a card without a security deposit
• Are okay with a small annual fee
• Want access to financial tools and transparency

If you’ve been turned away from other cards due to lack of credit history — or you’re just starting your financial journey — the Petal 1 “Rise” Visa® Credit Card offers a real opportunity to rise, learn, and grow.

It’s not about flashy rewards — it’s about building your foundation.

With modern tools, fair approval criteria, and a mission to support credit newcomers, Petal gives you a fighting chance — no deposit required.