Petal is a forward-thinking financial company that uses modern technology to provide credit opportunities to a wider demographic, considering banking history and responsible financial behavior rather than relying solely on traditional credit scores. The company's culture is centered around financial inclusivity and responsible spending, offering features like real-time transaction notifications, credit score updates, and a program to increase credit lines with consistent on-time payments. Petal's commitment to customer experience is evident in their user-friendly app and card, which offer easy payments, cash back perks, and the ability to build credit with responsible use.