The only way you can apply for the Petal 2 Card is online. Applications are not accepted by phone or email. The Petal 2 Card is available to legal U.S. residents of the 50 states, Washington, D.C., or U.S. military locations, with a valid SSN or ITIN.
Here’s how to apply for the Petal 2 Card:
The first step of the application process is the pre-approval. During this step, only a soft pull is performed, which won't affect your credit score. If you're pre-approved, you'll be invited to submit your full application. At this point, a hard inquiry is completed, which will show up on your credit report.
It is also worth noting that Petal 2 Card accepts people with limited credit (less than 3 years of credit history). If this is not your case, you will need at least fair (640+) credit to get this card.
You can't pre-qualify for the Petal Cash Back Visa, but you can get pre-approved if they send you a mail offer. A mail offer means that you met the criteria to qualify and it doesn't affect your credit score.
However, to get the Petal card, you’ll still need to submit an application. Just go to … read full answerthis page and enter your unique invite code and last name. Your credit score may be affected if you decide to submit an application, at which point they'll perform a hard inquiry on your credit report.
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.… read full answer
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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