Petal

Petal is a technology-driven company founded in 2016 with the mission to make credit honest, simple, and accessible. It challenges the traditional credit system by pioneering a "Cash Score" technology, which analyzes a person's banking history and income to assess creditworthiness. This allows individuals with little to no credit history to qualify for a Visa credit card. Petal partners with FDIC-insured banks, such as WebBank, to issue its credit cards, focusing on providing a transparent and user-friendly financial product to underserved consumers in the United States.