# 1FBUSA Mobile vs Petal Card

The clearest difference is rating: Petal Card at 4.7 against 1FBUSA Mobile's 2.1. Petal Card also leads on ratings volume (11K vs 125). 1FBUSA Mobile's advantage is monetization model (free vs free with in-app purchases). On price, review sentiment, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Petal Card holds the better App Store score, 4.7 against 2.1. That said, the two scores are not equally well evidenced: Petal Card has 11K ratings behind it against 125, so its average is the more settled of the two. Written reviews split almost evenly too, at 19% and 18% positive.

1FBUSA Mobile ships an update every 6 weeks, Petal Card every 5 weeks. The most recent releases landed on October 24, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | 1FBUSA Mobile | Petal Card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.1 (125 ratings)](https://appshunter.io/ios/app/1fbusa-mobile/id1129711073/reviews) | **[4.7 (11K ratings)](https://appshunter.io/ios/app/petal-card/id1400353064/reviews)** |
| Number of ratings | 125 | **11K** |
| Positive reviews | **18.6% of reviews** | 18.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 5 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 35 MB | 51 MB |
| Requires iOS | 16.4 | 16.4 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [1st Financial Bank USA](https://appshunter.io/developer/1117952359) | [Petal](https://appshunter.io/developer/1400353063) |

## What reviewers say

### 1FBUSA Mobile

[App page](https://appshunter.io/ios/app/1fbusa-mobile/id1129711073)

Manage your 1st Financial Bank USA credit card accounts conveniently from your mobile device. Features include autopay, payment tracking, secure sign-in options, and in-app notifications. You can also send secure messages, report lost cards, and update your personal information.

**Highlights:** Autopay setup, Credit card payment, Balance monitoring, In-app notifications, Secure sign-in (Face ID/Touch ID/MFA), SecureMail with attachments, Report lost credit card

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Builds credit responsibly
- ✅ Payments go through quickly
- ✨ New app design is nice
- 🚀 App is easy to use
- ✅ Fingerprint sign-in works

**What reviewers complain about**

- 🐛 App frequently won't let users log in
- 🐛 Face ID/biometrics don't work
- 🐛 App constantly logs users out
- 🐛 Password saving issues
- 🐛 Transactions not displayed

**Reported bugs**

- Unable to log in
- Face ID/biometrics not working
- App logs users out unexpectedly
- Password not saved
- Transactions not displayed

**Requested features**

- Integrate with third-party budgeting apps (e.g., Nerd Wallet)
- Display current transactions
- Allow sorting of statements by date
- Improve app usability and user-friendliness
- Update app for iPhone X compatibility


### Petal Card

[App page](https://appshunter.io/ios/app/petal-card/id1400353064)

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.

**Highlights:** Build credit history, Cash back rewards, No annual fee (Petal 2), Track credit score, Set budgets, Manage subscriptions

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🔒 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

**Reported bugs**

- App crashes or logs users out frequently
- Payment processing issues, double charges, and delayed balance updates

**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


## Frequently asked questions

### Is 1FBUSA Mobile free?

1FBUSA Mobile is free to download, with no in-app purchases.

### Is Petal Card free?

Petal Card is free to download, with no in-app purchases.

### Which has better reviews, 1FBUSA Mobile or Petal Card?

Petal Card is rated higher. 1FBUSA Mobile averages 2.1 out of 5 from 125 ratings, while Petal Card averages 4.7 from 11K ratings.

### Do 1FBUSA Mobile or Petal Card have ads?

Neither 1FBUSA Mobile nor Petal Card shows ads.

### Which is updated more often, 1FBUSA Mobile or Petal Card?

1FBUSA Mobile ships an update every 6 weeks, and Petal Card every 5 weeks. Most recently, 1FBUSA Mobile was updated on October 24, 2026 and Petal Card on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*