Petal Card vs TetherFree
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!
TetherFree
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A private shared budget for couples who manage money together — without giving up their financial privacy. Connect your bank once and transactions arrive on their own, sorted into your budget. BUDGET TOGETHER • Shared budgets, bills, and savings goals for your household • Each adult keeps a private view of their own money — share what you choose • Split bills and see who's contributed STAY ON TOP OF EVERY DOLLAR • Bank sync: transactions import automatically (Plaid-secured; we never see your login) • Monthly category budgets with clear progress • Debt payoff plans — snowball or avalanche — with a real payoff date • Track recurring bills with due-date reminders PRIVATE BY DESIGN • No ads. No tracking. Your data is never sold — ever. • We collect only what the features need, nothing more. • Delete your account and all data anytime from Settings TetherFree Family ($5.99/mo or $59.99/yr, up to 5 members) and Family Plus ($11.99/mo or $119.99/yr, up to 10) unlock family sharing and bank sync. Every plan starts with 1 month free, and your founding price is locked while you stay subscribed. Track and budget solo, free. Subscriptions auto-renew unless cancelled at least 24 hours before the end of the period. Manage in Settings → Apple ID → Subscriptions. Privacy Policy: https://apeironlabs.app/privacy-tetherfree Support: https://apeironlabs.app/support-tetherfree
Screenshots
Verdict
The clearest difference is in-app purchases: Petal Card at none against TetherFree's 2. TetherFree's advantage is update cadence (every 4 days vs every 5 weeks). On price, ads, device support and iOS requirement 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. TetherFree sells 2 in-app purchases, starting at $4.99 per month. Petal Card asks for nothing beyond the download.
Petal Card ships an update every 5 weeks, TetherFree every 4 days. The most recent releases landed on November 1, 2026 and October 28, 2026 respectively.
| Parameter | Petal Card | TetherFree |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (11K ratings) — better | — |
| Positive reviews | 18.1% of reviews | — |
| Number of ratings | 11K — better | — |
| Update frequency | Every 5 weeks | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone | iPhone |
| Requires iOS | 16.4 — better | 17.0 |
| Further details — not scored | ||
| Size | 51 MB | 22 MB |
| Age rating | 4+ | 4+ |
| Developer | Petal | Apeiron Labs LLC |
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
TetherFree
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Petal Card
No in-app purchases
TetherFree
- Basic5$4.991 Month
- Premium10$9.991 Month









