# Petal Card vs LendingPoint

Petal Card and LendingPoint both sit at 4.7 stars, but that hides the real split: 62% of LendingPoint's written reviews are positive against 18% of Petal Card's. LendingPoint also leads on update cadence (fortnightly vs every 5 weeks). Petal Card's advantage is ratings volume (11K vs 3.2K). 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 4.8 for LendingPoint. Both are backed by a comparable volume of ratings — 11K and 3.2K respectively. Written reviews are what separate them: 18% of Petal Card's written reviews are positive against 62% of LendingPoint's.

Petal Card ships an update every 5 weeks, LendingPoint fortnightly. The most recent releases landed on November 11, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Petal Card | LendingPoint |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (11K ratings)](https://appshunter.io/ios/app/petal-card/id1400353064/reviews) | **[4.8 (3.2K ratings)](https://appshunter.io/ios/app/lendingpoint/id1488985079/reviews)** |
| Number of ratings | **11K** | 3.2K |
| Positive reviews | 17.9% of reviews | **62.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 50 MB | 36 MB |
| Requires iOS | 16.4 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Petal](https://appshunter.io/developer/1400353063) | [LendingPoint LLC](https://appshunter.io/developer/1488985078) |

## What reviewers say

### Petal Card

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

This app helps individuals build credit and manage finances responsibly. It offers credit cards designed for credit building, with features like cash back rewards and tools to track your credit score and set budgets. The service aims to provide financial innovation and opportunity to a wider audience.

**Highlights:** Build credit history, Cash back rewards, Credit score tracking, Budget management, Subscription management, View accounts in one place

**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


### LendingPoint

[App page](https://appshunter.io/ios/app/lendingpoint/id1488985079)

Manage your personal loans and financial goals with this comprehensive finance app. Check loan rates, make payments, and update your information seamlessly. It's designed to help you achieve financial well-being.

**Highlights:** Check personal loan rates, Manage existing loans, Make loan payments, Update personal information, Track financial goals, Hassle-free account management

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast service
- 👍 Easy process
- 🤝 Helpful customer service
- 💰 Reasonable rates
- 🙏 Compassionate in difficult times

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🔒 Login and account access issues
- 📆 Inflexible payment scheduling
- 🤖 Unreliable app and website

**Reported bugs**

- App freezes on contact information page
- Unable to log in or access account
- Inconsistent app and website functionality

**Requested features**

- Allow extra payments without issues
- Improve app stability and user experience
- Provide more transparency on loan details


## Frequently asked questions

### Is Petal Card free?

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

### Is LendingPoint free?

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

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

LendingPoint is rated higher. Petal Card averages 4.7 out of 5 from 11K ratings, while LendingPoint averages 4.8 from 3.2K ratings.

### Do Petal Card or LendingPoint have ads?

Neither Petal Card nor LendingPoint shows ads.

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

Petal Card ships an update every 5 weeks, and LendingPoint fortnightly. Most recently, Petal Card was updated on November 11, 2026 and LendingPoint 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.*