{"app_store_id":1400353064,"slug":"petal-card-1400353064","name":"Petal Card","subtitle":"The Future of Credit","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/47/31/8c/47318c45-803c-b11f-5f12-56a68a3ef541/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/petal-card/id1400353064?uo=4","price":0,"currency":"USD","rating":4.68595,"rating_count":10935,"in_app_purchases":false,"recent_rating":1.95,"recent_review_count":20,"reviews_checked_at":"2026-10-17T18:02:13.415Z","primary_genre":"Finance","version_date":"2026-10-09T14:07:27Z","updated_at":"2026-10-20T19:17:13.816Z","stale":false,"missing_since":null,"one_liner":"Free finance app for tracking a credit score, setting a budget, managing subscriptions, and viewing accounts linked to.","verified_maker":false,"maker_site":null,"file_size_bytes":53354496,"minimum_os":"16.4","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource114/v4/82/a0/8a/82a08a7f-96ad-e67a-5505-1ffcd2b71024/a605eedd-5ba0-4198-8aef-0c07f9ac251a_Image_1.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource114/v4/13/1d/1a/131d1a57-5c35-817e-b75d-158e72480b90/96c98a27-07e9-4191-b552-8052f3a493fa_Image_2.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource124/v4/3f/ea/f9/3feaf98e-650a-b485-d1a2-47b0c7dae08d/b104bf72-e9fe-4382-89db-04cd9cf6af79_Image_3.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource124/v4/cd/76/f2/cd76f2ce-6994-14ee-66b0-1f2e39b28f19/c6d38601-1a20-4b38-ad92-8f9d23ef4185_Image_4.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource124/v4/09/68/8a/09688a4d-2682-68b4-3e2f-7a892336c1ac/f634700d-f1c1-47b5-963d-084248087ea3_Image_5.png/392x696bb.png"],"developer_name":"Petal Card, Inc","editors_choice":false,"url":"https://apptierlist.com/apps/petal-card-1400353064/","api_url":"https://apptierlist.com/api/v1/apps/petal-card-1400353064","schema_version":"1.0","generated_at":"2026-10-22T09:50:22.472Z","data_as_of":"2026-10-22T06:46:12.676Z","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. \n\nPETAL 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\n\nPETAL 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\n\nMORE CASH BACK AT MORE PLACES - Both cards come loaded with 2% - 10% cash back offers from top brands and over 500 local businesses. \n\nSTAY 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.\n\nBUILT TO BUILD - Petal reports to all three credit bureaus, and previous credit history is not required to qualify.\n\nGREAT RATES - Better technology means lower variable APR’s. See our current APR ranges at https://www.petalcard.com\n\nFEES? - Petal 1 has late and bounced payment fees. But there are no fees of any kind on Petal 2.\n\nUNBELIEVABLE - You actually read this far, thanks!","facts":{"developer_id":1400353063,"developer_url":"https://www.petalcard.com","first_released":"2018-09-22T20:22:12Z","support_url":"https://www.petalcard.com/faq","privacy_url":"https://www.petalcard.com/legal#general-privacy-policy","website_url":"https://www.petalcard.com/","app_version":"10.1.0","release_notes":"Various improvements and bug fixes","rating_current_version":4.68595,"rating_count_current_version":10935,"star_counts":[531,104,179,640,9481],"genres":["Finance"],"languages":["EN"],"content_advisories":null,"device_families":["iphone"],"chart":null},"freshness":{"apple_read_at":"2026-10-20T19:17:13.816Z","catalog_read_at":"2026-10-20T19:17:13.816Z","reviews_checked_at":"2026-10-17T18:02:13.415Z","summary_written_at":"2026-10-20T16:08:13.544Z","placed_at":"2026-10-15T10:23:36.036Z","scored_at":"2026-10-22T06:46:12.676Z"},"editorial":{"one_liner":"Free finance app for tracking a credit score, setting a budget, managing subscriptions, and viewing accounts linked to.","what_is":"Petal Card is a free finance app from Petal that offers two credit cards, Petal 1 and Petal 2. The app lets users track their credit score, set a budget, manage subscriptions, and see all their accounts in one place. The listing says both cards offer 2% to 10% cash back at top brands and over 500 local businesses.","good_for":["Building or improving credit with a card","Tracking a credit score and setting a budget","Viewing cash back offers and subscriptions in one app"],"pricing":"Petal Card is free, with no in-app purchases on the App Store.","faq":[{"q":"Do I need existing credit history to qualify?","a":"The listing says previous credit history is not required to qualify. It also says Petal uses millions of additional data points beyond credit scores to help people qualify."},{"q":"Does Petal report to credit bureaus?","a":"Yes. The listing says Petal reports to all three credit bureaus."},{"q":"What fees apply to the cards?","a":"Petal 1 has late and bounced payment fees. The listing says Petal 2 has no fees of any kind. Current APR ranges are listed at petalcard.com."}],"model":"claude-haiku-5-5","created_at":"2026-10-20T16:08:13.544Z"},"memberships":[{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":20,"tier":"C","score":80.1,"components":{"rating":93.7,"votes":80.4,"rank":46.4,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-15T10:23:36.036Z"}],"main_list":"credit-building","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":135665,"at":"2026-10-17T01:33:13.388Z","kind":"tier_changed","list":"credit-building","app_store_id":1400353064,"app":"petal-card-1400353064","from":"A","to":"C","reason":"rank shift: #18, score unchanged at 80.4, tier full (a quarter of the list)","job":"rescore"},{"id":125939,"at":"2026-10-16T10:30:49.475Z","kind":"tier_changed","list":"credit-building","app_store_id":1400353064,"app":"petal-card-1400353064","from":"C","to":"A","reason":"score 68.5 to 80.4","job":"rescore"},{"id":104203,"at":"2026-10-15T10:58:36.040Z","kind":"tier_changed","list":"credit-building","app_store_id":1400353064,"app":"petal-card-1400353064","from":null,"to":"C","reason":"score 68.5","job":"rescore"},{"id":102339,"at":"2026-10-15T10:23:36.036Z","kind":"membership_added","list":"credit-building","app_store_id":1400353064,"app":"petal-card-1400353064","from":null,"to":"active","reason":"The app is built to help people build credit: it reports to all three bureaus, requires no prior credit history, and Petal 1 is designed to improve credit score","job":"shadow"},{"id":95000,"at":"2026-10-15T06:27:53.109Z","kind":"app_added","list":null,"app_store_id":1400353064,"app":"petal-card-1400353064","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"credit-building","list_name":"credit building","status":"active","review_status":"checked","position":20,"tier":"C","score":80.1,"components":{"rating":93.7,"votes":80.4,"rank":46.4,"recency":100},"ranks":[{"country":"us","rank":29}],"verdicts":[{"verdict":"keep","reason":"The app is built to help people build credit: it reports to all three bureaus, requires no prior credit history, and Petal 1 is designed to improve credit score","verifier":"claude-sonnet-5-5","decided_at":"2026-10-15T10:23:36.036Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-15T10:23:36.036Z","attempts":1,"current":true}]}]},"data_version":40758,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/petal-card-1400353064/"}}