Comparison

Petal Card vs AKKO

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Build credit history
  • Cash back rewards
  • No annual fee (Petal 2)
  • Track credit score
  • Set budgets
  • Manage subscriptions
Features
Read full description

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!

About

AKKO

Simplify your tech protection with this app. It offers bundled coverage against accidental damage, theft, and mechanical failure for all your important items. Enjoy unlimited claims and avoid expensive carrier insurance or extended warranties.

Highlights
  • Bundled protection plans
  • Accidental damage coverage
  • Theft protection
  • Mechanical failure coverage
  • Unlimited claims
  • Simplified item addition
Features
Read full description

Coverage, Simplified. The last protection plan you'll ever need. Stop getting ripped off by your carrier's phone insurance. Stop buying the extended warranty. Save time and simplify your life with AKKO. Add your items, take photos, and you’re done! Unlimited claims! Protect your items against accidental damage, theft, and mechanical failure with bundled protection for all your most important stuff. - "Consistently affordable" – Investopedia - "Excellent value" – Gadget Review - Rating of 4.8 out of 5 from Trustpilot users For more info: getAKKO.com

Screenshots

Petal Card4 screens
AKKO4 screens

Verdict

The call

The clearest difference is rating: Petal Card at 4.7 against AKKO's 3.8. Petal Card also leads on ratings volume (11K vs 135). AKKO's advantage is review sentiment (52% vs 18%) and monetization model (free vs free with in-app purchases). On price, update cadence, ads 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Petal Card holds the better App Store score, 4.7 against 3.8. That said, the two scores are not equally well evidenced: Petal Card has 11K ratings behind it against 135, so its average is the more settled of the two. Written reviews complicate that: 18% of Petal Card's written reviews are positive against 52% of AKKO's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Petal Card ships an update every 5 weeks, AKKO every 3 weeks. Both last shipped on October 29, 2026.

Scorecard4 real differences · 6 level
Petal Card versus AKKO: the parameters behind the verdict, then further details
ParameterPetal CardAKKO
PriceFreeFree
Rating4.7 (11K ratings) — better3.8 (135 ratings)
Positive reviews17.9% of reviews52.0% of reviews — better
Number of ratings11K — better135
Update frequencyEvery 5 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone
Requires iOS16.416.4
Further details — not scored
Size51 MB92 MB
Age rating4+4+
DeveloperPetalAKKO Inc.

Customer experience

Petal Card

All ratings10,922 ratings
Positive92.6%
Neutral1.6%
Negative5.8%
Written reviews274 reviews
Positive17.9%
Neutral10.9%
Negative71.2%

AKKO

All ratings127 ratings
Positive66.1%
Neutral0.8%
Negative33.1%
Written reviews50 reviews
Positive52.0%
Neutral0.0%
Negative48.0%

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

AKKO

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Petal Card

No in-app purchases

None

AKKO

No in-app purchases

Questions

Is Petal Card free?
Petal Card is free to download, with no in-app purchases.
Is AKKO free?
AKKO is free to download, with no in-app purchases.
Which has better reviews, Petal Card or AKKO?
Petal Card is rated higher. Petal Card averages 4.7 out of 5 from 11K ratings, while AKKO averages 3.8 from 135 ratings.
Do Petal Card or AKKO have ads?
Neither Petal Card nor AKKO shows ads.
Which is updated more often, Petal Card or AKKO?
Petal Card ships an update every 5 weeks, and AKKO every 3 weeks. Most recently, Petal Card was updated on October 29, 2026 and AKKO on October 29, 2026.

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