Petal

You can check for Petal Credit Card pre-approval without impacting your credit score by filling out this online pre-approval form. Just verify your phone number, email address and a few other personal details, and you'll know if you're pre-approved in moments.

To be eligible for Petal Credit Card pre-approval, you must:

• Have a valid Social Security Number or Individual Taxpayer Identification Number
• Have a valid U.S. telephone number and street address (not a P.O. box)
• Have a valid email address
• Be 18 or older (19 or older if you reside in Alabama or Nebraska)
• Permanently live in one of the 50 United States, Washington, D.C., or a U.S. military location

If you are pre-approved for the Petal Credit Card, your odds of getting approved for the card are about 90%, should you decide to officially apply. While these are high approval odds, pre-approval doesn't guarantee approval. It only suggests that applying for a Petal Credit Card is a moderately safe bet.

Yes, the Petal card is legit. Both Petal credit cards, Petal 1 and Petal 2, are legit because they are issued by WebBank, which is an FDIC member that is accredited by the Better Business Bureau (with an A+ BBB rating). There are plenty of other reasons why the Petal cards are worth considering, too, even if you've never heard of them.

Why the Petal Cards Are Legit

• Issued by FDIC-member WebBank, which is BBB accredited
• Rated 4+ stars out of 5 by WalletHub editors
• Report to the three major credit bureaus monthly
• 3.5 / 5 average user rating on WalletHub for Petal 1
• 3.6 / 5 average user rating on WalletHub for Petal 2
• No annual fees
• No foreign fees
• $0 fraud liability guarantees

At the end of the day, the Petal credit cards are great options for people with fair or limited credit.

The Petal Cash Back Visa was designed for people who are new to credit. If you have no credit history or have less than 3 years of credit history with no missed payments, your approval odds are good. On the other hand, if you established a credit history but your credit score is low, this is not the card for you. They tend to reject applicants with a history of missed payments or bankruptcies.

When you fill out an application, Petal requires the typical personal and financial information, but it has an additional step requiring you to link active bank and credit card accounts. This is done by logging into your bank account via the application. Once linked, Petal analyzes your financial record to determine your eligibility. That all happens without impacting your credit score, via their credit algorithms.

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.

You can submit a Petal Credit Card application by visiting their website. Applications are not accepted by phone or email. Petal cards are available to legal U.S. residents of the 50 states with a valid SSN or ITIN.

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.

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 this 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.