iPhone Screenshots


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!

What’s New

Version 4.10.6

Fixes payments screen slider.

Ratings and Reviews

4.8 out of 5
7.3K Ratings

7.3K 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

josiahshow ,

Update - Love my Card!

This was a great starter card for me. I was so scared about credit and how it worked, but Petal was truly amazing in not only improving my credit score, but just laying everything out in an easy-to-understand way. You always know your balance, how much interest you will owe, and how to avoid interest in the first place. I only got approved for $500 at first, and now have a much better card with a higher limit I use alongside this one, but that’s not putting Petal down in any way. They are even adding new features all the time (recently Apple Pay and cash back rewards), which is something you can’t say about many cards.

The only thing I’m not a fan of is that there is no option to get a credit limit increase in the future as of now.

I left a negative review about the app not working on iOS 13, but it has since been updated. (Though I would LOVE dark mode)

Developer Response ,

Hey Josiah, we appreciate you reaching out and letting us know about this. Our team released an update so it should be smooth sailing now! If you run into any trouble, please reach out to us directly at support@petalcard.com—our team is ready to help. Know that you can login to your Petal account from a web browser, too!

tomig$ ,

Petal is Amazing!

I usually don’t review apps even if they’re amazing. But petal definitely deserves it. Maybe it’s because they’re relatively new and want to attract the most costumers, but hopefully they continue doing the great job they’re doing. After a speedy application I got accepted quickly too, the card took about a little more than a week to get to me. And ever since then I’ve fallen in love. I use petal to purchase almost everything, the no foreign transaction fees, the monthly statements that make it easy for me to understand what I’m paying and why. They give you store numbers for transactions and a the store or company number where you can reach them if you have any problems. On top of having a super user friendly app, a great looking card, cash back and reasonable rates they have an amazing customer service department. Petal cares! And it shows.

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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