Petal Card vs SpenDebt
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!
SpenDebt
This app automates debt and bill repayment by rounding up everyday transactions and contributing the difference towards your balance. It helps build financial discipline and improve your financial health through consistent, on-time payments.
- Automated debt repayment
- Micropayments from transactions
- Builds financial discipline
- Improves financial health
- On-time payment tracking
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Small payments can make real progress. SpenDebt helps you make progress on what you owe with Everyday Micropayments. You choose a small amount that works for you. As you go about your everyday life and spend money, SpenDebt uses your activity to help you build small payments toward the account you choose. YOU’RE IN CONTROL • Choose your Everyday Micropayment amount • Connect your bank securely • Choose the account you want to make progress on • Set a monthly limit that works for your budget • Track your payments and progress in one place No round-ups. You choose the amount. Whether you're working on a credit card, student loan, auto loan, or another eligible account, SpenDebt helps turn something you're already doing—spending—into an opportunity to keep moving forward. You don't have to change your whole life to start making progress. Small payments. Real progress. Everyday Micropayments. Measurable Progress.
Screenshots
Verdict
Petal Card and SpenDebt both sit at 4.7 stars, but that hides the real split: 50% of SpenDebt's written reviews are positive against 18% of Petal Card's. SpenDebt also leads on monetization model (free vs free with in-app purchases) and device support (3 vs 1). Petal Card's advantage is update cadence (every 5 weeks vs every 13 months) and ratings volume (11K vs 8). On price, rating, 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.
On the App Store both sit at effectively the same score — 4.7 for Petal Card against 4.6 for SpenDebt. That said, the two scores are not equally well evidenced: Petal Card has 11K ratings behind it against 8, so its average is the more settled of the two. Written reviews are what separate them: 18% of Petal Card's written reviews are positive against 50% of SpenDebt's.
Petal Card ships an update every 5 weeks, SpenDebt every 13 months. The most recent releases landed on October 28, 2026 and October 24, 2026 respectively.
| Parameter | Petal Card | SpenDebt |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (11K ratings) — better | 4.6 (8 ratings) |
| Positive reviews | 17.9% of reviews | 50.0% of reviews — better |
| Number of ratings | 11K — better | 8 |
| 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 | 15.0 — better |
| Further details — not scored | ||
| Size | 51 MB | 26 MB |
| Age rating | 4+ | 4+ |
| Developer | Petal | SPENDEBT, INC |
Customer experience
Petal Card
SpenDebt
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
SpenDebt
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Petal Card
No in-app purchases
SpenDebt
No in-app purchases
