Petal Card vs Cardless
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!
Cardless
Access credit cards from popular brands directly on your phone. View balances, transactions, and rewards, and make payments with enhanced security and transparency. Receive real-time notifications for account activity.
- Mobile credit card access
- View balance and transactions
- Redeem rewards
- Make payments
- Biometric security
- Transaction notifications
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The Cardless App provides mobile access to credit cards from your favorite brands. View your balance and transactions, redeem rewards, and make payments, all with more transparency than traditional banks. SECURITY & TRANSPARENCY Your information's security is our number one priority. Set up biometrics to view your card number and other sensitive data in-app and get notifications whenever your credit card is used, so that you always know what's going on with your account.
Screenshots
Verdict
The clearest difference is review sentiment: Cardless at 59% against Petal Card's 18%. Cardless also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, ratings volume, update cadence 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.
Cardless holds the better App Store score, 4.9 against 4.7. Both are backed by a comparable volume of ratings — 11K and 8.6K respectively. Written reviews point the same way: 18% of Petal Card's written reviews are positive against 59% of Cardless's.
Petal Card ships an update monthly, Cardless every 3 weeks. Both last shipped on September 26, 2026.
| Parameter | Petal Card | Cardless |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (11K ratings) | 4.9 (8.6K ratings) — better |
| Positive reviews | 17.9% of reviews | 59.5% of reviews — better |
| Number of ratings | 11K — better | 8.6K |
| Update frequency | Monthly | Every 3 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.1 | 14.0 — better |
| Further details — not scored | ||
| Size | 44 MB | 52 MB |
| Age rating | 4+ | 4+ |
| Developer | Petal Card, Inc | Cardless, Inc. |
Customer experience
Petal Card
Cardless
User reviews
Petal Card
From 11K App Store ratingsWhat we love
- 💳 Great starter card for building credit
- 💰 Decent cash back rewards
- 📱 Easy-to-use app
- 🤝 Helpful customer service
Room to improve
- 🔒 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
Cardless
From 8.6K App Store ratingsWhat we love
- 👍 Simple and easy to navigate
- 👍 Convenient and user-friendly
- 👍 Excellent customer service
- 👍 Secure payment method
- 👍 Smooth and intuitive UI
Room to improve
- 🐛 Account freezing issues
- 🐛 Payment processing problems
- 🐛 Declined transactions
- 🔒 Security and privacy concerns with Plaid integration
- 🔒 Lack of direct bank account integration
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
Cardless
Reported bugs
2 issues- Add to wallet feature not working
- Login issues with Face ID on newer devices
Requested features
2 requests- Connect with Qatar Airways loyalty program
- Improve rewards program and redemption options
In-app purchases
Petal Card
No in-app purchases
Cardless
No in-app purchases
