Petal Card

Petal Card

The Future of Credit

11K ratings
255 reviews
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💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • September 22, 2018
  • June 2, 2026
Petal Card screenshot #1 for iPhone
Petal Card screenshot #2 for iPhone
Petal Card screenshot #3 for iPhone
Petal Card screenshot #4 for iPhone
Petal Card screenshot #5 for iPhone
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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

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What's New in Petal Card

9.0.0

June 2, 2026

Various bug fixes and improvements

User reviews

Horrible App Security Risk

For the last year my app has had its quicks mainly very slow or freezing! Today I’m not able to close the app !!!! I’m not able to log out ! I have tried to reload the app but now it will open from the App Store but the icon is not visible 😡 Worst of all when I try to to log out it is frozen which means I can’t tell if my information is also visible or hackable since I can’t log out 😡😡😡😡😡🤬!!!! Oh and I can’t access support from the app either 🤬
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Decent but frustrating

The card itself is great but the app has been a nightmare to use the past several months. Lots of bugs with the app so I had to resort to using the website instead. Very disappointing to say the least.

Good card. Bad app

I love the card. But the app is really bad. Usually I have to click out of it in between each step. Or I can’t get to the next one. Sometimes I can’t even log in. I just get the circle of death. Searching and searching till I give up. Please get someone else to design your app Petal!!

Card is a awesome tool

The card is great, The app so unresponsive it not funny at all. I am trying to make a payment but it just keeps loading. Only fix I keep on doing is deleting the app and reinstalling it fixes it temporarily. After that it never work at all.

HORRIBLE

Do not, for the love of God use petal. They are scam/frauds (they will turn auto pay off without telling you), dysfunctional (customer service none existent), and barely functional (the app won’t let me access my own statements, sometimes won’t let me log in)

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.