Petal

Let's Start Building Credit

Petal: Build Your Credit Smartly

"Petal" is an innovative Android app designed to help users build credit without traditional barriers, offering no-fee credit cards, cash back opportunities, and tools to track spending and budgets. Ideal for those starting their credit journey or looking to improve their scores, Petal uses advanced technology to evaluate creditworthiness, making financial access more inclusive. With features like credit score tracking and subscription management, users can maintain control over their finances seamlessly.

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App stats

By: Petal Card

Users: 296,040

668

Rating: 3.63

(5,093)

2 new ratings

Version: 7.3.2 (Last updated: 2024-08-06)

Creation date: 2018-12-04

Email: he*****@petalcard.com

URLs: Website ,Privacy policy

Permissions

Location: approximate location (network-based), precise location (GPS and network-based)

Photos/Media/Files: read the contents of your USB storage, modify or delete the contents of your USB storage

Storage: read the contents of your USB storage, modify or delete the contents of your USB storage

Camera: take pictures and videos

Microphone: record audio

Wi-Fi connection information: view Wi-Fi connections

Other:

receive data from Internet
view network connections
change network connectivity
full network access
run at startup
draw over other apps
control vibration
prevent device from sleeping
read Google service configuration

Ranking

# 115,338 ▼ 80

Other platforms

Petal Search (v1.0.3)

5.00

(14) 868

Petal Cite Web Importer (v0.0.25)

1.00

(1) 45

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App summary

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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!

User reviews

These summaries are automatically generated weekly using AI based on recent user reviews. Google Play Store does not verify user reviews, so some user reviews may be inaccurate, spammy, or outdated.

Pros

Helps build credit
User-friendly app
Cashback rewards program
Simple payment process

Cons

Monthly fees without clear explanation
App crashes and performance issues
Customer service difficulties
Inconsistent reporting to credit bureaus
Frequent 2FA requirements

Most mentioned

Change to Petal Rise with fees
Negative impact on credit score with usage
Difficulty with customer service
App usability issues
Frustration with login and security features

User reviews

This is a great card to start building credit with, as it reports to all three credit firms and all they care about is your bank account... when the app works. If the app isn't crashing for maintenance, it will as for credentials everytime you login... Even when you say "remember me" and fingerprint login.... It will not. Would like to see a better/more cash back offers other than no name brands that are boutique.

Hex_Dex, 2024-10-09

I signed up for Petal when they were a great card for building your credit and didn't have any fees. Now they changed to something called "Petal Rise" and charge $8 a month without any explanation as to why. I've had my card for 7 or 8 years and have never missed a payment and have a credit score of 743. But now anytime I use the card my credit score goes down. So I've completed stopped using it which makes it useless. I'm just focused on paying it off so I can cancel the card.

Matt Farmer, 2024-09-23

Initially, my experience was positive. The card was easy to set up and use and making payments was simple. Then it went from a no annual fee card to $8 a month. It wasn't what I agreed on, but since I can't pay the balance in full, I figured I'd make my payments and set the card aside, then once paid off I just close the account. Because they are treating this $8 fee as a charge and not a fee per se, it doesn't count towards the minimum payment. Very shady. Time to make some legal calls...