--- title: "Petal Card - Reviews, Revenue and Downloads in United States | Apple App Store" 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 sco" --- # Petal Card — United States > The Future of Credit ![Petal Card App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/e0/44/b0/e044b0d1-783e-97a9-2e5f-2cf7a75068f8/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/434x0w.png) **Developer:** [Petal Card](https://apptail.io/developer/petal-card-hvfe) **Category:** Finance **Rating:** 4.7/5 (10,437 ratings) **Price:** Free **Bundle ID:** com.petalcard.petal **Store:** Apple App Store **Country:** United States **Version:** 8.4.1 (released 2025-11-11) **Original Release:** 2018-09-22 **Languages:** English **App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1400353064) **AppTail Page:** [https://apptail.io/app/petal-card-bSF/united-states](https://apptail.io/app/petal-card-bSF/united-states) ## Petal Card 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 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 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 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! ## Petal Card Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource114/v4/39/c7/e5/39c7e58c-3006-6432-662d-fa1a81089be1/0d06ab87-b687-42fb-8125-78c416bedb4d_Image_1.png/1242x2688.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource114/v4/a7/d1/ce/a7d1ce27-f3c6-aa9f-fe3f-0e40edd29a78/74d22507-20df-494a-bc70-219718d45863_Image_2.png/1242x2688.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource124/v4/c8/91/87/c89187b6-16ab-af97-2da1-d2ef96ff7077/189a2002-a22a-4463-ac1b-305910f4b449_Image_3.png/1242x2688.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource114/v4/48/ae/13/48ae1389-04c4-d2d9-adb9-7c4003f0e166/e2cb1550-ee25-425a-98b5-361ca364ec2d_Image_4.png/1242x2688.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource114/v4/f3/cf/d4/f3cfd4ec-b684-c79c-f867-49bf69d55a34/4f586eff-9bfe-4316-a7be-0fb33ec6baed_Image_5.png/1242x2688.png) ## Petal Card Rating Breakdown in United States - 5 stars: 9,084 (87%) - 4 stars: 612 (6%) - 3 stars: 161 (2%) - 2 stars: 87 (1%) - 1 stars: 493 (5%) ## Petal Card Reviews in United States ### *---- "Don’t do it" It says they don’t look at credit score, yet denies you because they looked at it. -- 10shorty, 2024-12-28 ### *---- "Avoid this card" There’s plenty of better cards out there. This one seemed like it had some unique features but the fact that when you make a payment it can take up to 20 days to reflect in your available credit is ridiculous when so many other cards reflect the payment instantly. Also, it started off as a $0 annual fee and then randomly without notice (possibly slipped into a spammy looking email or updated terms and conditions) they raised it to about $95 per year with no perks like most cards with an annual fee. Awful card all around. -- Posty314, 2024-12-24 ### *---- "Not For Everyone" This app isn’t for everyone. Not everyone will get approved. Been trying for 2 years. Still can’t get approved. Still can’t sign up. My credit score has changed in the 2 years for the better and still can’t get signed up for anything they offer. -- zeronicknamebs, 2024-12-01 ### *---- "Be Warned" Petal can and will cancel your account for no reason. I have been a cardholder with them since 2018, this month I went to do my bills and for some reason my account was closed. I always paid my card off every month, there was no outstanding balance, my credit is good, I don’t know why they would’ve closed my account. I combed through my emails and there wasn’t a single email about my account being closed, no warning emails or emails after they had done it. I reached out several times via email but was only met with automated responses and was unable to find an answer on why they would shut down my account. I also had cash back that I was saving up, guess they didn’t want to cash out. Edit: After reading through the reviews, it looks like there is now a monthly charge you have to pay if you want a Petal card. They probably closed my account since it was opened before they started charging people. -- jrdordel, 2024-11-05 ### ****- "New Update Unlinks Bank Account?" I don't know what happened with the most recent update, but now every time I log in to Petal, it makes me reconnect my bank account. Every. Single. Time. I desperately hope they fix this soon, because this has NEVER been a problem before! Please fix this bug, Petal. -- sapphireplants, 2024-09-24 ### *---- "SCAM" Opening an account with this “bank” by far the worse financial decision of my life they decided to change my card for no reason and add a $8 monthly fee because they felt like it. BE AWARE PEOPLE DO NO TRUST THIS -- Crashcri10, 2024-09-16 ### *---- "Do not use" They make it impossible to even apply, horrible horrible service -- michael87408, 2024-09-12 ### *---- "Horrific Customer Service" I have been trying to get help since 2023 and somehow nobody can figure out my issue. I have an account. I set up an account. I’ve tried to reset my password to log in and cannot. I was told I don’t have an account but took a screenshot of the system confirming I do. The last email I sent seems to have been ignored. It’s a mess. -- Avaisbad, 2024-08-02 ### *---- "At least I found it was a terrible app asap" I make good money. I have a decent credit score, not amazing but nowhere near bad although not that bad credit but owe 300 in one credit account that I’m paying off still so why didn’t pedal or petal or whatever not approve me?? All I gave was my name, address, social and phone number. Craziest thing was according to their website… “ You are not currently eligible if: Your current address is a correctional institution You have previously applied for and were approved, or currently have a Petal card account You have filed for bankruptcy within the past 48 months” None of these apply to me even close. Wanna know when I filling out my pre approval application I did do one thing. Everyone hates to be marketed to especially from a website I might not even be approved for so I went ahead and unchecked the (not required by the way)box that basically says” we’re gonna sell your data for marketing purpose” most likely because they probably love money more than anything and can’t get enough of it. That’s literally the only reason why someone with a credit score and barely any debt would be shot down within 3 seconds of clicking on the button to see if I’m pre approved. So do with that what you will but I wouldn’t check the box. -- zackbg, 2024-07-27 ### **--- "Randomly Suspends My Account Without Warning" I have had this card for about a month, and it has already suspended my account twice. The first time was less than a week ago, when it was suspended during the weekend. I was only able to get it back working on Monday as their customer support doesn’t work weekends. They said it was suspended due to me “mis-entering” the card information 4 times online when trying a purchase. Both my wife and I attempted to order something several times and we are certain we entered the card details correctly. It is not rocket science. As of today, Wednesday, my card is once more suspended. I have only made one minor purchase in between suspensions, which was at Kroger. I tried to purchase groceries this evening and my card was declined, and an automated email has informed me I have been suspended again. As one may imagine, this card has grown to cause many frustrations in the short time I have had it. For more intel, my account is not overdue, so I am genuinely left confused and disappointed. -- Ben Berges, 2024-07-11 ### ***-- "Good for starter only!" Had petal for the past 4 years and just closed my account. Don’t get me wrong if you have no credit, this might be an ok card. The annual fee is honestly pricey for having very little benefits. After 4 years I was only given a $700 limit and paid every month in full. The card was better in the begging, no monthly fee and good for starting out. Sad that they refuse to raise my credit limit, I have credit cards 20k and 40k and honestly sad to let this card go! Hope they change for the better! I’m giving it 3 stars cause it was really good in the beginning and was a nice card but has gone down hill! Hope this helps others! -- mdheal, 2024-06-15 ### ***** "Omg" Oh my God I love to. They really helped me. They gave me credit when no one else did and they’ve been real supportive that boosted my credit score. They don’t harass me. They have rewards to give me cash. I love this card so much thank you I’m ready to move next level. -- Awesome 3198, 2024-06-13 ### *---- "Help section/$5 a month" I read in help section it says if balance is negative then we owe you money so send us an email to receive check?!? Why it needs action to recover your money but it’s no problem if we owe them money. Also it charges. $5 a month. -- Mr.Hinky, 2024-06-06 ### *---- "Bad Company" Bad company, they charge $8 a month for membership fees without properly telling/letting you know. Bad customer service, and they trick you into thinking that you can upgrade to there Petal plus card! -- Noflo1331, 2024-04-26 ### **--- "It’s whatever" Was a good card for a few years when I was rebuilding credit but they decided to tack on the fee all of a sudden. It’s a low value card so I closed it. The app needing updating every darn day was annoying too. It’s served its purpose and now I don’t need it. Good riddance. -- Shany Mae, 2024-04-22 ### ****- "Great card for beginners, Not recommended for experienced card users" Had this card for a while now have always been extremely responsible with it so I can’t talk about their fees or interest. One thing I will say is the app is extremely easy to use and understand. The main issue I have with the card is once you hit their final rewards point there are no further credit increases or cash back incentives to make me want to use this card on a day to day. I keep the account open but I wish they offered more to credit users with a good history and score is all. Highly recommend for new credit users tho. -- Yaboy6934, 2024-04-20 ### **--- "Slooooooowwwwww" So slow it feels like a scam but it’s not it’s just awful. It can seriously take a week or more to update your account after a payment is made. I’ve never seen a card take longer. Oh and they down graded me after years of paying on time and never missing. Pretty awful card -- handonthebible, 2024-04-01 ### *---- "WORST CC TO GET WITH NO CREDIT" Ive had a credit line with this company for a few years, the only reason i have one with them is because they were the only cc company to accept my application considering i was young and had no established credit. It was fine when i paid on time until i lost my job and my financial/ living situations changed and I couldn’t keep up with the payments. The interest on this card is HIGH at 33% and they dont allow bank transfers or give credit limit increases. If your payment bounces from your bank and you pay a day late they charge $30 fee no remorse. They offer NO FORGIVENESS whatsoever and I was declined for a credit limit increase so i can pay it off and not have so much interest even though i have a good history of my account paying on time and in full. they are charging me almost $45 a month in interest and that’s nearly half of what i can afford to pay every month. this company only cares about money and is a scam to get people with no credit to work with them so they can make money off of them with high interest. After i pay it off closing my account. my other credit lines dont do this. Literally go to any other place to get a credit card! -- Glimmerite, 2024-03-26 ### *---- "Fake" Doesn’t approve you just basically waste your time don’t recommend this -- Boringlife99, 2024-03-15 ### ***** "Love this card!!" This is a very innovative card and I love it!! -- BBgoblue, 2024-03-08 [View all Petal Card reviews and detailed analytics on AppTail](https://apptail.io/account/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Petal Card Discovered Keywords - credit line - simple student - tomo credit - tomo card - petal card - credit limit - oppfi - oppfi card - ava finance - petal credit card ## Apps Similar to Petal Card - [X1 Card](https://apptail.io/app/x1-card-IaA/united-states) - [Tomo Card](https://apptail.io/app/tomo-card-WRF/united-states) - [Grain: The Digital Credit Card](https://apptail.io/app/grain-the-digital-credit-card-nWF/united-states) - [Kora Money](https://apptail.io/app/kora-money-vMH/united-states) - [CashNetUSA](https://apptail.io/app/cashnetusa-CQH/united-states) - [Lenme: Investing and Borrowing](https://apptail.io/app/lenme-investing-and-borrowing-txL/united-states) - [OneBlinc: Salary Advances](https://apptail.io/app/oneblinc-salary-advances-MUQ/united-states) - [Exprebucs Loan - Instant Cash](https://apptail.io/app/exprebucs-loan-instant-cash-MOR/united-states) - [Clair](https://apptail.io/app/clair-hmhb/united-states) - [Atlas - Rewards Credit Card](https://apptail.io/app/atlas-rewards-credit-card-pPYb/united-states) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. 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