Petal Card 4+

The Future of Credit

Petal

    • 4.7 • 10K Ratings
    • Free

iPhone Screenshots

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 - 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!

What’s New

Version 7.3.2

Usability improvements and bug fixes.

Ratings and Reviews

4.7 out of 5
10K Ratings

10K Ratings

Odowd ,

Excellent card

I had a quite bad credit score actually if you ask me. It wasn’t even in the 600’s I don’t think if that not much over I was instantly approved for this card with a $2500 limit. I thought it was a gimmick but it wasn’t. I love the card. I now have many cards but this one actually has lower interest then my Apple Card my credit one card or first bank MasterCard and the app is also great has many features like showing your debt to how much money you have in your bank account and also free credit score. I would recommend this card to anyone. The only negative thing I can say is that My husband was denied I don’t know how , and once you apply once if you get denied they don’t ever let you apply again which I do think is pretty stupid But my credit score has gone up now since getting this card I was approved for more. Now I have about ten cards and make sure to use them wisely

malan05 ,

My card is constantly suspended for no reason

I loved this card, I was so happy to be able to start building credit. BUT the first purchase I made with this card ($12 from safeway) caused it to immediately suspend. My first purchase!
So I figured that maybe the card just needed to learn my spending habits so it doesn’t assume fraud, and gave it another chance. After I got it unsuspended, it worked for a day and a half. I tried to buy my ($20) medication and boom, suspended again. I waited 8 days for them to figure out that no, this isn’t suspicious activity. Calling didn’t help, you can’t get through to the people making those decisions, you’ll be bounced around and told “you’ll get an email when they make their decision”. Finally, unsuspended. The purchases that have been blocked are all in my hometown, under my name, and under $50.
So finally I figured that I’ll try ONE more time, out of a need to establish my credit. Bought a $5 item, which was fine, then a $15 item, and the familiar “suspended for suspicious activity” message popped up once again. I tried to call numerous times to see why they kept assuming suspicious activity, all they could say was “I don’t know, we’re looking into it”. So yeah.. be wary. BTW, I had no bad credit previous to this, just no credit at all as im a college student.

Glimmerite ,

WORST CC TO GET WITH NO CREDIT

Ive had a credit line with this company for a few years, the only reason i have one with them is because they were the only cc company to accept my application considering i was young and had no established credit. It was fine when i paid on time until i lost my job and my financial/ living situations changed and I couldn’t keep up with the payments.
The interest on this card is HIGH at 33% and they dont allow bank transfers or give credit limit increases. If your payment bounces from your bank and you pay a day late they charge $30 fee no remorse. They offer NO FORGIVENESS whatsoever and I was declined for a credit limit increase so i can pay it off and not have so much interest even though i have a good history of my account paying on time and in full.
they are charging me almost $45 a month in interest and that’s nearly half of what i can afford to pay every month. this company only cares about money and is a scam to get people with no credit to work with them so they can make money off of them with high interest. After i pay it off closing my account. my other credit lines dont do this. Literally go to any other place to get a credit card!

App Privacy

The developer, Petal, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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