Petal

Petal

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!

Ratings and reviews

There's a lot of cool stuff in the app, but it can be extremely slow and sometimes unresponsive. Please update this so that, even if the data is not finished loading, pages load at least so the user doesn't furiously tap buttons trying to get a response. Oh and stop asking for 2FA so much. It doesn't help with security that much & it happens enough to be very annoying.

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.

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.

What's new

Usability improvements and bug fixes.