# Petal Card vs Cardless

Petal Card and Cardless both sit at 4.7 stars, but that hides the real split: 61% of Cardless's written reviews are positive against 18% of Petal Card's. Cardless 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.

Cardless holds the better App Store score, 4.9 against 4.7. Both are backed by a comparable volume of ratings — 11K and 9.5K respectively. Written reviews point the same way: 18% of Petal Card's written reviews are positive against 61% of Cardless's.

Petal Card ships an update every 5 weeks, Cardless every 3 weeks. Both last shipped on October 25, 2026.

## The numbers

| Metric | Petal Card | Cardless |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (11K ratings)](https://appshunter.io/ios/app/petal-card/id1400353064/reviews) | **[4.9 (9.5K ratings)](https://appshunter.io/ios/app/cardless/id1532270655/reviews)** |
| Number of ratings | **11K** | 9.5K |
| Positive reviews | 17.9% of reviews | **61.3% 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 | 54 MB |
| Requires iOS | 16.4 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Petal](https://appshunter.io/developer/1400353063) | [Cardless, Inc.](https://appshunter.io/developer/1532270657) |

## 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


### Cardless

[App page](https://appshunter.io/ios/app/cardless/id1532270655)

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.

**Highlights:** Mobile credit card access, View balance and transactions, Redeem rewards, Make payments, Biometric security, Transaction notifications

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Simple and easy to navigate
- 👍 Convenient and user-friendly
- 👍 Excellent customer service
- 👍 Secure payment method
- 👍 Smooth and intuitive UI

**What reviewers complain about**

- 🐛 Account freezing issues
- 🐛 Payment processing problems
- 🐛 Declined transactions
- 🔒 Security and privacy concerns with Plaid integration
- 🔒 Lack of direct bank account integration

**Reported bugs**

- Add to wallet feature not working
- Login issues with Face ID on newer devices

**Requested features**

- Connect with Qatar Airways loyalty program
- Improve rewards program and redemption options


## Frequently asked questions

### Is Petal Card free?

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

### Is Cardless free?

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

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

Cardless is rated higher. Petal Card averages 4.7 out of 5 from 11K ratings, while Cardless averages 4.9 from 9.5K ratings.

### Do Petal Card or Cardless have ads?

Neither Petal Card nor Cardless shows ads.

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

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