Petal Card

Petal Card

The Future of Credit

11K ratings
277 reviews
Free

Details

Released
September 22, 2018
Updated
October 9, 2026

Features

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 about Petal Card

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What's New in Petal Card

10.1.0

October 9, 2026

Various improvements and bug fixes

User reviews

SHADY COMPANY Disappearing Money and Garbage Customer Service

Petal was my first credit card. Do NOT open an account. Their practices are predatory.

SHADY UPGRADE
They "upgrade" you from a 2% cash back card with no monthly fee to a 1% cash back card with an $8 monthly fee. You’re not allowed to go back. When you’re trying to build credit, closing your oldest account is a huge score loss. I had to keep my account open.

DISAPPEARING MONEY
Want to spend your cash back? THEY WITHHOLD IT. They’ve made it impossible to withdraw it to your linked checking account without calling customer service.

10/05/26: I call Tilt to withdraw my cash back. They place me on hold, but eventually say they’ll transfer it to my linked checking account. I get an email saying it’s coming via check with 7-10 days.

10/20/26: I email customer service because the cash back disappeared from my account but the check never came.

10/23/26: No response. I email again.

10/27/26: No response. It’s been 22 days. My money has disappeared and they’re ghosting me.
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Awful App

Genuinely terrible app. Slow to respond, slow to load, and some components just don’t work at all. Paid off my card just to avoid having to open this app.

Great first time credit users

This was my first credit card when I turned 18 and I’ve been using it ever since eight years later I’m still using the card to this day. the companies been great and very lenient. Highly recommend.

Was happy to not happy!

So as I do with all of my cards I lock them u til I am ready to use them. I sign into my petal app to unlock to make a purchase and I could not believe that it kept giving a message that card could not unlock. I deleted app to download again and I signed back into my account and now in the settings there is no where that says u freeze card! What is going on PETAL!!!!
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Great credit card to start building your credit

This was my first ever credit card, I used it to build my credit and the app is very easy to use . The app has great features such as it gives an accurate credit score . It also show the rate of how you spend so you can control spending. You don’t need to open a bank account with Petal, you just attach your regular checking/ saving accounts from any company for your payments.
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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.