4.92K 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 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. You can get approved for a limit between $300 - $10,000. 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!
Updated on
Feb 23, 2024

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.
This app may share these data types with third parties
Financial info and App info and performance
This app may collect these data types
Personal info, App activity, and Device or other IDs
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.83K reviews
Dolnyx (N8)
June 15, 2023
BE CAREFUL! They will randomly switch your account over and impose fees, with your only options being to deal with it or opt out entirely (i.e. closing your acc, irradiating a line of credit). No warning and no explanation! Even after speaking with a representative, they could not answer as to why this was. My initial account had no monthly fees, a grace period for payments, and virtually no limitations on what I could buy. Now my apr is higher, I'm forced to pay $8 a month, late fees, and more!
128 people found this review helpful
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Matthew Whittaker
June 15, 2023
Petal 2 experience was great, I was able to salvage my credit from a dumb decision made when I was young & now have great credit. However, like some others, I've been bumped to Petal 1 Rise out of nowhere, which is more limiting and comes with fees. My income hasn't changed, and has even improved when compared to months ago but I feel arbitrarily penalized. Prior to this? 5 stars. Now? I consider cancelling. There's no explanation for mobility out of this and they can change my limit at will 👎
86 people found this review helpful
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Jamaal Rogers
December 16, 2020
Petal cut my credit limit by a third with no warning. Add to the fact that they can lower your credit limit to be virtually unusable but then suddenly can't raise your credit limit if you have an over 730+ credit score, perfect payment history, and stable job. Great, beautiful app, but terrible business practice. In terms of earning potential, you're better off with Chase, Discover, or Capital One.
69 people found this review helpful
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December 17, 2020
Hi there, this definitely isn't the experience we want you to have with Petal. Our team would like to learn more about this with you— if you haven't already, would you mind sending us a message to support@petalcard.com? Our support team will take it from there. Thank you.

What's new

Usability improvements and bug fixes.