# LendingTree vs Petal Card

LendingTree and Petal Card both sit at 4.8 stars, but that hides the real split: 50% of LendingTree's written reviews are positive against 18% of Petal Card's. LendingTree also leads on update cadence (fortnightly vs every 5 weeks) and ratings volume (38K vs 11K). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.8 for LendingTree against 4.7 for Petal Card. Both are backed by a comparable volume of ratings — 38K and 11K respectively. Written reviews are what separate them: 50% of LendingTree's written reviews are positive against 18% of Petal Card's.

LendingTree ships an update fortnightly, Petal Card every 5 weeks. The most recent releases landed on October 25, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | LendingTree | Petal Card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (38K ratings)](https://appshunter.io/ios/app/lendingtree/id957868548/reviews)** | [4.7 (11K ratings)](https://appshunter.io/ios/app/petal-card/id1400353064/reviews) |
| Number of ratings | **38K** | 11K |
| Positive reviews | **50.5% of reviews** | 17.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 5 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 59 MB | 51 MB |
| Requires iOS | 17.5 | **16.4** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [LendingTree](https://appshunter.io/developer/351438624) | [Petal](https://appshunter.io/developer/1400353063) |

## What reviewers say

### LendingTree

[App page](https://appshunter.io/ios/app/lendingtree/id957868548)

Manage your finances with free credit score updates, personalized saving insights, and easy comparison of loans and credit cards. Stay protected with credit monitoring alerts and expert advice to improve your financial health.

**Highlights:** Free credit score updates and alerts, Personalized saving insights, Loan and credit card shopping, Credit monitoring and fraud protection, Financial tips and expert advice

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💯 Excellent credit monitoring and reporting
- 💳 Helpful in getting approved for credit cards and loans
- 📈 Useful for improving and tracking credit score
- 💰 Provides valuable financial insights and savings opportunities

**What reviewers complain about**

- 🐛 Login and account verification issues
- 🔄 Inaccurate or outdated account and credit information
- 📞 Excessive sales calls and spam after signing up
- 🔍 Limited integration with financial institutions

**Reported bugs**

- App crashes and freezes during login and usage
- Inconsistent credit score reporting compared to other services
- Inability to properly configure loan and credit card preferences

**Requested features**

- Manual account and credit information updates
- Option to delete account information instead of just deactivating
- Better notification settings to control sales calls and emails


### 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


## Frequently asked questions

### Is LendingTree free?

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

### Is Petal Card free?

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

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

LendingTree is rated higher. LendingTree averages 4.8 out of 5 from 38K ratings, while Petal Card averages 4.7 from 11K ratings.

### Do LendingTree or Petal Card have ads?

Neither LendingTree nor Petal Card shows ads.

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

LendingTree ships an update fortnightly, and Petal Card every 5 weeks. Most recently, LendingTree was updated on October 25, 2026 and Petal Card on October 27, 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.*