# Petal Card — The Future of Credit > Credit cards for building credit and earning cash back with no fees. (iPhone/iPad app by Petal Card, Inc.) - Source: https://appshunter.io/ios/app/petal-card/id1400353064 (this page in markdown: same URL + `.md`) - Developer: [Petal Card, Inc](https://appshunter.io/developer/1400353063) - Category: Finance - Price: Free - Rating: 4.69/5 from 10,649 App Store ratings · 257 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 44 MB - Languages: English - Released: 2018-09-22 - Data updated: 2026-08-31 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/petal-card/id1400353064/reviews.md ## What is Petal Card? Petal's aim is to bring financial innovation and opportunity to everyone. We use modern technology to help people build credit, avoid debt, and spend responsibly. Instead of looking at just credit scores, we use millions of additional data points to help more people qualify for credit, even if they've never had it before. PETAL 1 is designed for those who are seeking to improve their credit score. It has no annual fee. See our current APR ranges at https://www.petalcard.com PETAL 2 is our most advanced card yet. With Petal 2 you can enjoy all the perks of a cash back card without any of the fees. No annual fee, late payment fee, foreign transaction fee, or any-other-kind of fee. See our current APR ranges at https://www.petalcard.com MORE CASH BACK AT MORE PLACES - Both cards come loaded with 2% - 10% cash back offers from top brands and over 500 local businesses. STAY IN CONTROL - With our app you’ll be able to track your credit score, set a budget, manage subscriptions, and see all your accounts in one place so you’re always on top of your money. BUILT TO BUILD - Petal reports to all three credit bureaus, and previous credit history is not required to qualify. GREAT RATES - Better technology means lower variable APR’s. See our current APR ranges at https://www.petalcard.com FEES? - Petal 1 has late and bounced payment fees. But there are no fees of any kind on Petal 2. UNBELIEVABLE - You actually read this far, thanks! ## Key features - Build credit history - Cash back rewards - No annual fee (Petal 2) - Track credit score - Set budgets - Manage subscriptions ## What do users think of Petal Card? Overall sentiment: negative **Pros** - 💳 Great starter card for building credit - 💰 Decent cash back rewards - 📱 Easy-to-use app - 🤝 Helpful customer service **Cons** - 🔒 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 **Commonly reported bugs** - App crashes or logs users out frequently - Payment processing issues, double charges, and delayed balance updates **Most requested features** - Allow credit limit increases based on payment history - Improve account management features like changing contact info - Provide more transparency around account changes and closures ## Recent user reviews (10 of 257) All indexed reviews: https://appshunter.io/ios/app/petal-card/id1400353064/reviews.md ### 1/5 — Activation *2026-08-17, version 9.0.0* What kind of card company take over a week to figure out why I can’t activate my card. Company sucks ### 1/5 — 👎🏾 *2026-08-11, version 9.0.0* Horrible, unresponsive app. Getting rid of this card for the app alone. ### 1/5 — Horrible App Security Risk *2026-08-05, version 9.0.0* 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 🤬 ### 2/5 — Decent but frustrating *2026-08-04, version 9.0.0* 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. ### 3/5 — Good card. Bad app *2026-07-31, version 9.0.0* 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!! ### 3/5 — Card is a awesome tool *2026-07-24, version 9.0.0* 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. ### 1/5 — HORRIBLE *2026-07-23, version 9.0.0* 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) ### 3/5 — Login issues *2026-07-22, version 9.0.0* App is great. Got me through a rough time. glad I was accepted but an issue I’m constantly been having is logging in. I have to repetitively delete the app, redownload it just to login. Please fix the issue i dont want to miss payments ### 3/5 — Awful app. Card is okay. *2026-07-21, version 9.0.0* App was okay for the first couple years of having this card. For the last couple months the app has not been showing any payments I have made and also says “You’re all set this month! Your next payment is due (day in this month)”. I have called support several times and each time they ask me if I have tried pulling it up on the website and uninstalling and reinstalling the app. None of those work. They tell me everything looks fine on their end and that they will pass my complaints along. I will not be using this card anymore due to the frustration of the app. ### 1/5 — Constant App Issues *2026-07-14, version 9.0.0* I have had problems since the beginning of using this app years ago. Across multiple phones and including desktop versions, Petal servers are incredibly slow and get hung up. Some screens just never load at certain parts of the day including the PAYMENT SCREEN. I got a new card in the mail and I literally can’t active it. I’ve tried on the app and on the desktop over and over and it doesn’t work so I now have to call the support line. AVOID THIS COMPANY ## Frequently asked questions about Petal Card ### 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. ## Version history (last 5 releases) ### 9.0.0 — 2026-06-02 Various bug fixes and improvements ### 8.5.0 — 2026-01-29 Platform upgrades, integration improvements, and general stability enhancements. ### 8.4.1 — 2025-11-11 Various bugfixes and usability improvements ### 8.4.0 — 2025-11-09 Usability, performance improvements, and bug fixes for better app stability. ### 8.3.0 — 2025-09-24 Usability, performance improvements, and bug fixes for better app stability. ## Apps similar to Petal Card | App | Rating | Price | Category | | --- | --- | --- | --- | | [Chime® – Mobile Banking](https://appshunter.io/ios/app/chime-mobile-banking/id836215269) | 4.8 (1,558,421) | Free | Finance | | [Current - Mobile Banking](https://appshunter.io/ios/app/current-mobile-banking/id1077366211) | 4.8 (195,858) | Free | Finance | | [Varo Bank: Online Banking](https://appshunter.io/ios/app/varo-bank-online-banking/id1517676784) | 4.9 (233,473) | Free | Finance | | [Possible: Fast Cash & Credit](https://appshunter.io/ios/app/possible-fast-cash-and-credit/id1380384597) | 4.8 (134,258) | Free | Finance | | [Grain: The Digital Credit Card](https://appshunter.io/ios/app/grain-the-digital-credit-card/id1410559121) | 4.5 (36,269) | Free | Finance | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,440) | Free | Finance | ## Related topics [pedal](https://appshunter.io/ios/topics/pedal) · [petal card](https://appshunter.io/ios/topics/petal-card) · [mine fizz](https://appshunter.io/ios/topics/mine-fizz) · [petal](https://appshunter.io/ios/topics/petal) · [petal visa](https://appshunter.io/ios/topics/petal-visa) · [visa debit card credit](https://appshunter.io/ios/topics/visa-debit-card-credit) · [credit card apply](https://appshunter.io/ios/topics/credit-card-apply) · [instant credit](https://appshunter.io/ios/topics/instant-credit) · [virtual credit](https://appshunter.io/ios/topics/virtual-credit) · [zeller](https://appshunter.io/ios/topics/zeller) · [cerulean platinum credit card](https://appshunter.io/ios/topics/cerulean-platinum-credit-card) · [zella](https://appshunter.io/ios/topics/zella) · [digital credit card](https://appshunter.io/ios/topics/digital-credit-card) · [one app work](https://appshunter.io/ios/topics/one-app-work) · [yendo](https://appshunter.io/ios/topics/yendo) · [obmgforcoupons](https://appshunter.io/ios/topics/obmgforcoupons) · [rebuild credit](https://appshunter.io/ios/topics/rebuild-credit) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*