The Petal Card (e.g. Petal 2 / Petal family) is a personal credit card from Petal Card (e.g. Petal 2 / Petal family). The annual fee is $0 — no annual membership fee. The ongoing APR is ~ 28.99% – 30.99% variable (for Petal 2). Approval typically requires a credit score of Fair (580+) or higher. Rewards: Tiered cash back (1.0% → 1.25% → 1.5% with on-time payments). This product reports activity to your personal credit report. Pre-qualification available (soft pull). BT Fee: Not a prominent feature / not emphasized. Post-intro APR: ~ 28.99% – 30.99% variable (for Petal 2)