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Petal Card app icon#20in Credit Building

Petal Card

C Tier
Situational · #20 of 23
80
4.7★10.9K ratings
Freeprice
12dsince update

What is Petal Card?

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.

Pricing. Petal Card is free, with no in-app purchases on the App Store.

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

Screenshots

1 / 5

Why this app is in C tier

Petal Card scores 80 out of 100: rating 94, rating count 80, App Store search rank 46, update recency 100. The four parts are averaged with no weights, and C tier follows from that score within this list. The full explanation, as data.

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. 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

Compare in Credit Building

MeasurePetal CardGaussSparrow Card App
TierCCD
Score80 / 10081 / 10080 / 100
Rating4.7 ★4.9 ★4.9 ★
Ratings10.9K4.4K3.4K
Latest ratings · 180d1.9 ★ · 20 reviews——
Last update12d ago3d ago4d ago
PriceFreeFreeFree download

Alternatives

See all 22 ›
  1. Seen MobileFree · ★ 4.8S
  2. ExtraFree download · ★ 4.6S
  3. KikoffFree download · ★ 4.9A

Questions about Petal Card

Do I need existing credit history to qualify?

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.

Does Petal report to credit bureaus?

Yes. The listing says Petal reports to all three credit bureaus.

What fees apply to the cards?

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.

Is Petal Card free?

Yes. Petal Card is free on the App Store, with no in-app purchases.

What is Petal Card good for?

Petal Card is built 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. It sits in the credit building list on AppTierList.

Is Petal Card worth it?

Petal Card is C tier, ranked #20 of 23 credit building apps with a score of 80 out of 100, from a 4.7 App Store rating across 10,935 ratings. 19 apps rank above it in the same list.

How does Petal Card compare to Gauss?

Petal Card is C tier at 80; Gauss is C tier at 81. Gauss ranks higher. Petal Card is free, with no in-app purchases, Gauss is free, with no in-app purchases.

How often is Petal Card updated?

Petal Card was updated 12 days ago, which counts in its favour.

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All the facts

List
Credit Building (C tier, #20)
Tier
C (Situational)
Score
80 / 100
Rank in list
#20 of 23
Ranking certainty
settled
Price
Free
App Store rating
4.7 out of 5
Number of ratings
10,935
Recent reviews
1.9 from 20 in the last 180 days
Current version
(12 days ago)
App Store data read
App Store category
Finance
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
Requires
iOS 16.4 or later
Size
51 MB
Age rating
4+
Languages
1
Runs on
iPhone
Developer pages
Website · Support · Privacy policy
Maker
unclaimed
As data
JSON · why it ranks here

App Store data read · reviews · ranking · how it is computed