# Petal Card vs ImmediatePay

Petal Card and ImmediatePay both sit at 4.7 stars, but that hides the real split: 56% of ImmediatePay's written reviews are positive against 18% of Petal Card's. ImmediatePay also leads on monetization model (free vs free with in-app purchases). On price, rating, ratings volume and update cadence there is nothing between them.

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

ImmediatePay holds the better App Store score, 4.9 against 4.7. Both are backed by a comparable volume of ratings — 11K and 8K respectively. Written reviews point the same way: 18% of Petal Card's written reviews are positive against 56% of ImmediatePay's.

Petal Card ships an update every 5 weeks, ImmediatePay every 3 weeks. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Petal Card | ImmediatePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (11K ratings)](https://appshunter.io/ios/app/petal-card/id1400353064/reviews) | **[4.9 (8K ratings)](https://appshunter.io/ios/app/immediatepay/id1469028887/reviews)** |
| Number of ratings | **11K** | 8K |
| Positive reviews | 17.9% of reviews | **56.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 51 MB | 74 MB |
| Requires iOS | 16.4 | **15.6** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Petal](https://appshunter.io/developer/1400353063) | [Immediate Solutions](https://appshunter.io/developer/1469028886) |

## 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


### ImmediatePay

[App page](https://appshunter.io/ios/app/immediatepay/id1469028887)

Access a portion of your earned wages before your next payday. This app connects with employers to let you transfer funds instantly after your workday. It also provides financial wellness tools, including coaching, educational resources, and prescription savings.

**Highlights:** Access earned wages between paydays, Instant fund transfers, Financial wellness tools, Expert financial coaching, Financial health assessments, Educational articles and calculators, Prescription savings

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Efficient and fast
- 💡 Convenient and helpful
- 👍 User-friendly interface
- 🚀 Immediate access to funds

**What reviewers complain about**

- 🐛 Processing issues
- 🐛 Delayed payouts
- 🐛 Unreliable customer service
- 🐛 Difficult to use

**Reported bugs**

- Login issues
- Inconsistent fund availability
- Debit card registration problems

**Requested features**

- Faster payouts
- Improved customer support
- Clearer communication on processing times


## Frequently asked questions

### Is Petal Card free?

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

### Is ImmediatePay free?

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

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

ImmediatePay is rated higher. Petal Card averages 4.7 out of 5 from 11K ratings, while ImmediatePay averages 4.9 from 8K ratings.

### Do Petal Card or ImmediatePay have ads?

Neither Petal Card nor ImmediatePay shows ads.

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

Petal Card ships an update every 5 weeks, and ImmediatePay every 3 weeks. Most recently, Petal Card was updated on October 26, 2026 and ImmediatePay on October 25, 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.*