* Cardholders who keep their balances low and pay their credit card bill by the due date each month typically see an increase in their credit score. Results vary. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build/rebuild credit.

The image on your Groundwork Card may vary.
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Groundwork Card is not a financial institution. The Groundwork Card is issued by MRV Banks, Member FDIC pursuant to a license from Visa U.S.A Inc and may be used everywhere Visa credit cards are accepted.

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By submitting a pre-approval request, you grant your permission to be evaluated for multiple Petal credit cards. Pre-approval does not guarantee an account approval and you must submit a full application for review in order to apply for any offer(s) of credit. Submitting for a pre-approval is how you find out if you may be eligible for a Petal credit card without impacting your credit score. You must meet our applicable criteria bearing on creditworthiness and any other of our eligibility criteria, which we determine in our sole discretion. Credit is subject to qualification and may not be extended for various reasons including, but not limited to, verification of your identity, if the ratio of your debt obligations to your income or the amount of income remaining after you meet your debt obligations does not meet our requirements, or upon consideration of other accounts you may have.1The variable APR range is accurate as of 08/15/2023 and may vary with the market based on the Prime Rate.2 Eligible applicants will be presented with an opportunity to link their bank account in order to be evaluated for an extension of credit assessing their cashflow.3 Cash back merchants and offers can vary throughout the year and are personalized. You must meet the individual offer terms to receive cash back. In the past six months, Petal members received at least one cash back offer from an advertised merchant.