Petal Card vs NDC Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Petal Card
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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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!
NDC Mobile
Manage resident funds with this companion app. Deposit checks, capture signatures, and save withdrawal receipts. Streamline financial operations for resident funds.
- Resident Fund Management
- Check Deposit
- Signature Capture
- Withdrawal Receipt Saving
- RFMS Companion
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NDC Mobile is the companion app for National Datacare’s Resident Fund Management Service (RFMS). The app allows you to deposit checks, capture signatures, save withdrawal receipt images and more.
Screenshots
Verdict
The clearest difference is rating: Petal Card at 4.7 against NDC Mobile's 2.6. Petal Card also leads on update cadence (every 5 weeks vs every 13 months) and ratings volume (11K vs 5). NDC Mobile's advantage is monetization model (free vs free with in-app purchases) and device support (3 vs 1). On price, review sentiment, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
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 2.6. That said, the two scores are not equally well evidenced: Petal Card has 11K ratings behind it against 5, so its average is the more settled of the two. Written reviews complicate that: 18% of Petal Card's written reviews are positive against 25% of NDC Mobile's, so the app with the better star average is not the one people write more warmly about.
Petal Card ships an update every 5 weeks, NDC Mobile every 13 months. The most recent releases landed on November 7, 2026 and November 2, 2026 respectively.
| Parameter | Petal Card | NDC Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (11K ratings) — better | 2.6 (5 ratings) |
| Positive reviews | 18.0% of reviews | 25.0% of reviews — better |
| Number of ratings | 11K — better | 5 |
| Update frequency | Every 5 weeks — better | Every 13 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.4 | 11.4 — better |
| Further details — not scored | ||
| Size | 51 MB | 30 MB |
| Age rating | 4+ | 4+ |
| Developer | Petal | National Datacare |
Customer experience
Petal Card
NDC Mobile
Bugs and requests
Petal Card
Reported bugs
2 issues- App crashes or logs users out frequently
- Payment processing issues, double charges, and delayed balance updates
Requested features
3 requests- Allow credit limit increases based on payment history
- Improve account management features like changing contact info
- Provide more transparency around account changes and closures
NDC Mobile
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Petal Card
No in-app purchases
NDC Mobile
No in-app purchases
