# Petal Card vs SpenDebt

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.

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.

## The numbers

| Metric | Petal Card | SpenDebt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (11K ratings)](https://appshunter.io/ios/app/petal-card/id1400353064/reviews)** | [4.6 (8 ratings)](https://appshunter.io/ios/app/spendebt/id1422084789/reviews) |
| Number of ratings | **11K** | 8 |
| Positive reviews | 17.9% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 13 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 51 MB | 26 MB |
| Requires iOS | 16.4 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Petal](https://appshunter.io/developer/1400353063) | [SPENDEBT, INC](https://appshunter.io/developer/1422084788) |

## What reviewers say

### 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


### SpenDebt

[App page](https://appshunter.io/ios/app/spendebt/id1422084789)

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.

**Highlights:** Automated debt repayment, Micropayments from transactions, Builds financial discipline, Improves financial health, On-time payment tracking

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

**In-app purchases:** none


## Frequently asked questions

### Is Petal Card free?

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

### Is SpenDebt free?

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

### Which has better reviews, Petal Card or SpenDebt?

Petal Card is rated higher. Petal Card averages 4.7 out of 5 from 11K ratings, while SpenDebt averages 4.6 from 8 ratings.

### Do Petal Card or SpenDebt have ads?

Neither Petal Card nor SpenDebt shows ads.

### Which is updated more often, Petal Card or SpenDebt?

Petal Card ships an update every 5 weeks, and SpenDebt every 13 months. Most recently, Petal Card was updated on October 28, 2026 and SpenDebt on October 24, 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.*