# Petal Card vs AKKO

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.

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

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.

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

## The numbers

| Metric | Petal Card | AKKO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (11K ratings)](https://appshunter.io/ios/app/petal-card/id1400353064/reviews)** | [3.8 (135 ratings)](https://appshunter.io/ios/app/akko/id1532439769/reviews) |
| Number of ratings | **11K** | 135 |
| Positive reviews | 17.9% of reviews | **52.0% 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 | 92 MB |
| Requires iOS | 16.4 | 16.4 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Petal](https://appshunter.io/developer/1400353063) | [AKKO Inc.](https://appshunter.io/developer/1532437780) |

## 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


### AKKO

[App page](https://appshunter.io/ios/app/akko/id1532439769)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*