Cameron DiGiovanni, Writer
To get approved for a Petal card, you are required to have a valid email address, a U.S. telephone number, and a Social Security number or Individual Taxpayer Identification Number. Applicants must also be at least 18 years old and a permanent resident of the United States or a U.S. military location. Having limited credit or better and earning enough money to pay your bills is required for approval as well.
Minimum Petal Card Requirements for Approval
- 18+ years old
- U.S. mailing address
- SSN or ITIN
- At least limited/fair credit
- Enough income to pay bills
- Low debt compared to income
- Valid email address
- Valid U.S. telephone number
- No bankruptcy in the past 48 months
- No open Petal card account
- No prior applications for a Petal card
You may be required to provide a U.S. or foreign government-issued photo ID, or to link a U.S. bank account if your credit profile does not provide enough information for Petal to make a decision. If they do ask for your bank account information, Petal will generate a “Cash Score” when they review your banking history. This will help them determine whether you have enough disposable income to pay your credit card bills.
Finally, it’s worth noting that Petal will automatically conduct a soft pull on your credit in the beginning of the application process to see if you could qualify for one of their cards. While pre-approval never guarantees approval, it will bode well for your approval odds.
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