Petal

Petal Card

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. 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!

Ratings and reviews

The app has a lot of technical difficulties. For example, on the auto pay I set it to pay the statement, but it kept switching to full balance. It wouldnt stick. I ended up paying the entire balance causing me lots of issues. I contacted customer support and they said there was nothing they could do. I asked if they would make a report of this incident happening and it was just "sure". Definitely do not recommend.

I got this card to help build my credit years ago. It was honestly great. But now? I'm truly regretting it. I can't wait until my balance is paid down so I can get rid of it. the issue is with the app primarily. The Leap feature NEVER works, I don't ever get any of the push notifications I asked for, in the settings, there are TWO "notifications" menus, my banking information never stays linked, and the customer service is non-existent. To say I'm disappointed is an understatement.

do not like APR very high APR, they do report to all three major Experian, Equifax, TransUnion! The reason why I took this card is cuz there is no annual fee and no pressure to use, if you want to take this card to build your credit and build more available credit to your name to bring your score up that's the best way to do it right there(warning just don't go crazy cuz APR is high,I went from a 580 to over 700 credit score in 6 months! (Good luck)

What’s new

Platform upgrades, integration improvements, and general stability enhancements.