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Petal Card

Petal Card

The Future of Credit

11K ratings
257 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

Activation

What kind of card company take over a week to figure out why I can’t activate my card. Company sucks
jayloc515jayloc515

👎🏾

Horrible, unresponsive app. Getting rid of this card for the app alone.
12389953300321238995330032

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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Empower nowEmpower now

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.
lemongrab87999lemongrab87999

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!!
brandy 56brandy 56
See 252 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.