4 Credit Cards That Are Changing the Game

Point of Interest

Innovative credit card[1] startups are challenging the status quo to persuade Millennials and Gen Z to leave traditional cards behind.

The credit card industry is massive: roughly 183 million Americans have credit cards, and general purpose cards such as Visa, MasterCard and Discover can be found in 70.2% of all American households, according to 2010 Census Bureau data[2].

However, that hasn’t stopped startups from shaking things up. 

These four credit card startups all market themselves as a better alternative for consumers, particularly Millennials and Gen Z, by eliminating extra fees that traditionally come with a credit card and offering easy-to-use apps.


Founded in 2015, Petal[3] started with a singular goal in mind — to help anyone looking to establish or build their credit.

Petal’s technology takes your full financial picture into account even if you don’t have a credit score — it’s what allows Petal to provide access to a high limit, cash back credit card with no fees whatsoever, even as your first card.

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