aid: petal
name: Petal
description: 'Petal is a New York-based consumer fintech that issues Visa credit cards
  aimed at people with limited or no credit history, underwriting applicants from their
  bank-account cash flow (its proprietary CashScore metric) rather than a traditional
  credit score alone. Its Petal 1, Petal 1 Rise and Petal 2 cards are issued by WebBank,
  and the business is now part of the Tilt family of consumer finance brands (Tilt Card,
  Inc., NMLS #2295169). Petal reaches customers through iOS and Android apps plus a web
  dashboard and help center. It is a direct-to-consumer card issuer: as of this profile
  it operates no developer program, publishes no API documentation, and exposes no
  machine-readable API contract on any of its public hosts.'
image: https://cdn.prod.website-files.com/636a6f81a287f5628189d717/6377fffaa265e3a2b2945444_petal-og%20(1).jpg
url: https://raw.githubusercontent.com/api-evangelist/petal/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: stub
x-tier-reason: harvest
specificationVersion: '0.23'
created: '2026-08-05'
modified: '2026-08-05'
tags:
- Company
- Financial Services
- Fintech
- Credit Cards
- Consumer Finance
- Credit Building
- Lending
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/petal-domain-security.yml
- type: Website
  url: https://www.petalcard.com/
- type: Blog
  url: https://www.petalcard.com/blog
- type: Support
  url: https://support.petalcard.com/
- type: TermsOfService
  url: https://tilt.com/terms/
- type: PrivacyPolicy
  url: https://tilt.com/privacy/
- type: LLMsTxt
  url: llms/petal-llms.txt
x-enrichment:
  date: '2026-08-05'
  status: minimal
  artifacts_added: 2
  pass: local-v1
x-coverage:
  state: none
  reason: no-developer-program
  detail: >-
    Petal is a direct-to-consumer Visa card issuer whose only integration surface is the
    private nginx origin behind its mobile apps at api.petalcard.com, which serves a bare
    404 at every documented-spec path and is not accompanied by any developer portal,
    reference or SDK.
  evidence:
    - url: https://api.petalcard.com/openapi.json
      status: 404
    - url: https://www.petalcard.com/developers
      status: 404
    - url: https://developers.petalcard.com/
      status: 0
    - url: https://www.petalcard.com/llms.txt
      status: 404
    - url: https://www.petalcard.com/sitemap.xml
      status: 200
  checked: '2026-08-05'
x-secondary-market-listing: https://forgeglobal.com/petal_stock/
x-note-no-signup-pointer: 'registration.petalcard.com and dashboard.petalcard.com are
  CONSUMER cardholder application/account surfaces, not developer credential issuance;
  no SignUp/Login pointer is emitted so the rating is not credited a self-service
  developer sign-up that does not exist.'