For many, getting approved for a credit card without an established credit history feels impossible — but the Petal 1 Visa was designed to change that. Instead of judging you only by a credit score, Petal uses innovative technology to evaluate your financial habits, making it far more inclusive than traditional options. With no deposit required, no annual fee, and benefits built for everyday use, it’s one of the most practical unsecured credit cards for people who are new to or rebuilding credit in the U.S.
Think of it as a modern tool that sees you as more than a number. By reviewing your bank activity through a unique Cash Score®, Petal helps you qualify even if your credit file is thin or nonexistent. Combine that with the potential for credit line growth and useful perks, and this card becomes a strong foundation for financial progress.
What Makes the Petal 1 Visa Stand Out
No Deposit Needed
Skip the upfront collateral most credit-building cards require. The Petal 1 is unsecured, letting you get started without locking away your money.
Reports to All Major Bureaus
Your payments are reported monthly to Experian, Equifax, and TransUnion — ensuring your responsible use helps build a positive track record across the board.
Credit Limit Growth Through Leap
Stay on top of payments for six months and you may qualify for a higher credit limit, making it easier to lower your credit utilization and strengthen your score.
$0 Annual Fee
There’s no cost to carry the card, which means every dollar you earn or save stays in your pocket.
No Extra Charges Abroad
Whether you’re traveling internationally or shopping online with global merchants, you won’t pay foreign transaction fees.
Petal Perks Cash Back
Earn between 2%–10% back at select stores through the Petal Perks program, available directly in the app.
Intuitive Mobile App
Easily check balances, track spending, make payments, and even monitor your credit score right from your phone.
Soft Pull Prequalification
See if you qualify with no impact on your credit score before submitting a full application.
Visa Zero Liability
Stay protected from unauthorized charges and instantly freeze your card if it’s lost or stolen.
Who Can Apply
To qualify for the Petal 1 Visa, you’ll generally need to meet these requirements:
- Age & Residency: At least 18 years old and living in the U.S. (including D.C. or military bases).
- Identification: A valid SSN or ITIN is required.
- Bank Account: Applicants must link a U.S. checking or savings account with several months of history for Cash Score analysis.
- Credit Background: While no established credit is required, you typically won’t be approved if you’ve filed for bankruptcy within the last four years.
How to Apply
- Start With Prequalification: Visit the Petal website and check eligibility with a soft credit pull.
- Connect Your Bank Account: Securely link your main bank account to generate your Cash Score.
- Review Your Offer: Based on your profile, Petal will present the terms of your potential approval.
- Submit Application: If you choose to proceed, complete the full form (this includes a hard inquiry).
- Get a Decision: If approved, your Petal 1 Visa will be mailed and ready to use.
FAQs About Petal 1
What is a Cash Score?
It’s Petal’s alternative evaluation system that reviews your banking activity to determine eligibility. It’s especially useful for applicants with little to no U.S. credit history.
Is this card useful for people with good credit already?
Not really. Petal 1 is designed for those building or rebuilding credit. If you already have strong credit, other cards with flat-rate cash back or sign-up bonuses may be better.
How do rewards work?
Cash back is earned at specific merchants featured in the Petal Offers program, with rates ranging from 2%–10%. It’s not a flat reward on all spending.
What is the interest rate?
The APR is high compared to standard cards. To get the most benefit (and avoid costly interest), pay your balance in full each month.
