Credit Compound

Petal

Petal pioneered cash flow underwriting, approving applicants based on banking history instead of credit scores, with cards issued by WebBank. Empower Finance acquired Petal in 2024 and has since closed the Petal 1 and Petal 2 to new applications, routing new applicants to its Tilt Card while existing cardholders keep their accounts.

Application Rules

  • ▸Closed to new applications: existing accounts remain open and continue reporting
  • ▸Original underwriting used linked bank account cash flow, so no credit history was required
  • ▸Reports to all three bureaus

Tracked Petal Cards

Petal 2 Visa card art
Petal 2 VisaPetal

Historical card

Historical card record. See the dated review and offer history.

Not a current offer AF: See historyRating: Withheld
Review & HistoryNo Current Application
Petal 1 Visa card art
Petal 1 VisaPetal

Historical card

Historical card record. See the dated review and offer history.

Not a current offer AF: See historyRating: Withheld
Review & HistoryNo Current Application