The primary difference between the Petal 1 and Petal 2 is the cashback structure. With Petal 1, you can earn 2% to 10% cash back at select merchants. With Petal 2, you can earn unlimited 1% cash back on eligible purchases; after 6 on-time payments, earn 1.25% cash back; after 12 on-time payments, earn 1.5% cash back. Another important difference is the potential credit line. If you qualify for the Petal 2, you could receive a credit limit as high as $10,000. With the Petal 1 cards, the highest credit limit available is $5,000. Its cash back rate and higher credit line make the Petal 2 the better card overall, but either card could be helpful for establishing or rebuilding your credit.