4.04K reviews
Content rating
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About this app

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 and you can get approved for a credit limit between $300 - $5,000. 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. You can get approved for a limit between $300 - $10,000. 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!
Updated on
Sep 7, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
You can request that data be deleted
4.04K reviews
Gabriela Villalobos
August 22, 2022
I like it at first. But lately, I've noticed the app to be slow or all together non response when I try to access different sections. Not to mention it constantly tells me it has disconnected from my bank and yet refuses to reconnect with it no matter now many times I go through the process of reconnecting. It just won't do it anymore. The app has slowly been getting worse and is starting to become an inconvenience rather than the helpful credit building credit card.
3 people found this review helpful
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Jessie Blanchard
May 12, 2022
App is good, but can never verify my finger print so I always have to get a verification code. 🙄 This card is better than nothing; no rewards. Yes, it has rewards categories, but those categories are with select merchants half of which I've never heard of. Basically no rewards. They DO NOT allow a product change from the petal 1 to a petal 2 in order to get a higher credit limit increase or any sort of cash back rewards. It takes 2 to 3 weeks to get a replacement card. 🙄 Don't recommend.
20 people found this review helpful
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A Google user
May 5, 2019
They have friendly customer service and the benefits that you get with the card are great. My only issue is it's system of editing for your banking account information. I wish they have a checkpoint in their system that doesn't allow it to sync until the account number you are reaffirming in the system matches with the one you used to apply for the card in the first place. Another issue I have is the syncing of additional bank accounts and the slow response from tech support customer service.
9 people found this review helpful
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May 6, 2019
Hi Sean, thank you for your feedback here. Our product team would like to learn a bit more about this experience you're having, so do you mind sending us a note to with some additional information? We rely on feedback like this to make Petal the best it can be, so we really appreciate this. Thanks, Sean!