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![Nik Milanović](https://ph-avatars.imgix.net/998437/original.jpeg?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=48&h=48&fit=crop)
Petal is a no-fee credit card designed to help you manage money and start building credit, even if you’ve never had credit before.
The wait is over — applications for Petal are now available to the public, with a fresh new iOS app.
The Petal credit card is issued by WebBank, Member FDIC. Variable interest rates range from 14.74% - 25.74%.
![Petal](https://ph-files.imgix.net/b3cd1ecf-4b2e-4f7d-869e-65fa06a7e9a2.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=48&h=48&fit=crop)
Petal
A better way to start building credit — now available!
![Nik Milanović](https://ph-avatars.imgix.net/998437/original.jpeg?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=48&h=48&fit=crop)
Nik Milanović
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Full disclosure: I work at Petal, and I work here because I think this is an awesome product, especially for people new to credit, recent immigrants, and first time credit card owners.
Pros: simple UI, low APR, and no fees
Cons: rewards (coming in a while!)
![Petal](https://ph-files.imgix.net/2db88e16-f031-41af-b148-7e53c6ffe21e.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=48&h=48&fit=crop)
Petal
A simple, no-fee credit card