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Petal Card

Petal Card

The Future of Credit

11K ratings
246 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • September 22, 2018
  • June 2, 2026

Developer

Petal Card, Inc
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About

This app helps users build credit and manage finances responsibly. It offers two credit card options, one for credit building and another with cash back rewards and no fees. Users can track their credit score, set budgets, and manage subscriptions.

✓Build credit history
✓Cash back rewards
✓No annual fee (Petal 2)
✓Track credit score
✓Set budgets
✓Manage subscriptions
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What users say

Summarized from real user reviews of Petal Card. Based on 11K reviews and a 4.7/5 average, it highlights the 4 positives and 4 negatives reviewers mention most about this Finance app.

Positive things

  • 💳Great starter card for building credit
  • 💰Decent cash back rewards
  • 📱Easy-to-use app
  • 🤝Helpful customer service

Negative things

  • 🔒Difficulty changing account details like phone number
  • ❌Accounts randomly suspended or closed with no explanation
  • 💰High interest rates and unexpected fees
  • 🔄Slow credit limit increases despite good payment history
See all reviews

What's New in Petal Card

9.0.0

June 2, 2026

Various bug fixes and improvements

User reviews

Most RecentHighest RatedLowest Rated

App takes forever to login

The app takes forever logging in, I constantly have to exit and open again. When you make a payment it takes forever to load the Home Screen again and sometimes not at all. As far as the card, it’s good.
Angiv03Angiv03

App is Awful

I would give 5 stars, but I just can’t. The app won’t login 95% of the time. How are you supposed to check your balance and pay your bill on time if you can’t even log into the app. It is so frustrating, it makes me want to close my account.
ChewboosMomChewboosMom

Horrible App

Cannot access app. Do better.
BungalowDripBungalowDrip

Log in

Can’t log into app to pay bill!!!!!
Danni446Danni446

Garbage

There are plenty of other cards that offer far more than this one. The website/app is well below average.

Look for other cards - this one is hot garbage.
BreakBread84BreakBread84
See 241 more reviews

User experience

🐞

Reported Bugs

2 issues

App crashes or logs users out frequently

Bug

Payment processing issues, double charges, and delayed balance updates

Bug
✨

Requested Features

3 requests

Allow credit limit increases based on payment history

Feature

Improve account management features like changing contact info

Feature

Provide more transparency around account changes and closures

Feature

FAQ

What does the Petal Card app do?

The Petal Card app is designed to help users build credit and manage their finances responsibly. It offers two credit card options, Petal 1 for credit building and Petal 2 with cash back rewards and no fees. The app allows users to track their credit score, set budgets, and manage subscriptions.

What are the key features of Petal Card?

Key features include helping users build credit history, offering cash back rewards (2%-10% at select merchants), and providing a no-annual-fee option (Petal 2). Users can also track their credit score, set spending budgets, and manage subscriptions directly within the app.

Is Petal Card free to use?

The app itself is free to download and use for managing your finances. The credit cards offered, Petal 1 and Petal 2, have different fee structures. Petal 1 has late and bounced payment fees, while Petal 2 has no annual fee, late payment fee, foreign transaction fee, or any other kind of fee.

Who is the Petal Card for?

This app and its associated credit cards are ideal for individuals seeking to improve their credit score, especially those who may not have prior credit history. It's also beneficial for users who want to earn cash back rewards and manage their spending responsibly with budgeting tools.

How does Petal Card help build credit?

Petal reports to all three major credit bureaus, which is essential for building credit history. Unlike traditional credit cards, Petal uses millions of additional data points beyond just credit scores to help more people qualify for credit, even if they've never had it before.