Petal Card 7.3.1

Petal – Freeware – iOS
out of 9976 votes

Revolutionize Your Spending with Petal Card

David Fischer

04/09/2025

The Petal Card offers a refreshing approach to cash management, blending tech with practical financial tools for a streamlined user experience.

Petal's mission is to bring financial innovation and opportunity to a wide range of individuals. Through the utilization of cutting-edge technology, our platform assists users in establishing credit, avoiding debt, and promoting responsible spending habits. Unlike traditional lenders that solely rely on credit scores, Petal evaluates millions of additional data points to extend credit options to more individuals, even those without prior credit history.

Petal 1

Petal 1 is specifically designed for individuals aiming to enhance their credit scores. This card carries no annual fee and offers a credit limit ranging from $300 to $5,000. For the current APR ranges, please visit our official website at https://www.petalcard.com.

Petal 2

Petal 2 represents our most advanced card to date. With Petal 2, users can access all the benefits of a cash back card without any associated fees. There are no annual fees, late payment fees, foreign transaction fees, or any other charges. The credit limit for Petal 2 ranges from $300 to $10,000. To view the current APR ranges, please visit https://www.petalcard.com.

Enhanced Cash Back Opportunities

Both Petal cards offer exceptional cash back opportunities. Users can enjoy cash back offers ranging from 2% to 10% from top brands as well as over 500 local businesses.

Gain Financial Control with Our App

Our user-friendly app empowers you to effectively manage your finances. With the app, you can easily track your credit score, establish budgets, monitor subscriptions, and consolidate all your accounts in one place, providing you with comprehensive control over your money.

Built to Empower

Petal reports to all three credit bureaus, making it an excellent opportunity for individuals with limited or no credit history to build their credit profile.

Competitive Rates

Thanks to our cutting-edge technology, we offer lower variable APRs compared to traditional lending options. For the current APR ranges, please visit https://www.petalcard.com.

Fees? Think Again!

While Petal 1 incurs late and bounced payment fees, Petal 2 stands out with its fee-free structure. There are no fees of any kind associated with Petal 2.

We genuinely appreciate your time and interest in our services. Thank you for reading this far!

Overview

Petal Card is a Freeware software in the category Business developed by Petal.

The latest version of Petal Card is 7.3.1, released on 07/04/2024. It was initially added to our database on 09/20/2023.

Petal Card runs on the following operating systems: iOS.

Users of Petal Card gave it a rating of 5 out of 5 stars.

Pros

No annual fees or hidden charges
Offers a user-friendly mobile app for account management
Builds credit history for those with limited credit history
Cashback rewards on purchases depending on usage
Flexible payment options
Real-time notifications for transactions
No late payment fees

Cons

Limited credit limit initially may not meet all users' needs
Higher interest rates compared to traditional credit cards
Not widely accepted abroad as some other credit cards
Cash advances come with high fees
Requires a bank account to link for funding payments and transfers
Credit card rewards may not be as competitive as other major cards

FAQ

What is the Petal Card?

The Petal Card is a credit card designed for those with little to no credit history. It focuses on responsible spending and offers a transparent fee structure.

How does the Petal Card work?

The Petal Card works like a traditional credit card, allowing you to make purchases anywhere that accepts Visa. You can manage your account through the Petal app, track spending, and make payments.

Are there any fees associated with the Petal Card?

There are no annual fees, no late payment fees, and no foreign transaction fees. However, interest charges may apply if you carry a balance.

What are the eligibility requirements for the Petal Card?

To be eligible for the Petal Card, you must be at least 18 years old, a U.S. resident, and show proof of income or employment.

How does Petal determine my credit limit?

Petal uses an innovative algorithm that considers your cash flow and banking history, rather than just your credit score, to determine your credit limit.

Can I use the Petal Card internationally?

Yes, the Petal Card can be used for international purchases wherever Visa is accepted.

Does the Petal Card offer rewards?

Yes, users can earn cashback rewards on eligible purchases. The cashback percentage increases based on responsible use of the card.

How can I manage my Petal Card account?

You can manage your Petal Card account through the Petal mobile app or website where you can track spending, payments, and rewards.

What should I do if my Petal Card is lost or stolen?

If your Petal Card is lost or stolen, you should immediately report it through the Petal app or contact customer service to lock your card and prevent unauthorized transactions.

Is there an introductory offer for new cardholders?

Yes, new cardholders may receive special introductory offers such as bonus cashback on their first few purchases.

David Fischer

I am a technology writer for UpdateStar, covering software, security, and privacy as well as research and innovation in information security. I worked as an editor for German computer magazines for more than a decade before joining the UpdateStar team. With over a decade of editorial experience in the tech industry, I bring a wealth of knowledge and expertise to my current role at UpdateStar. At UpdateStar, I focus on the critical areas of software, security, and privacy, ensuring our readers stay informed about the latest developments and best practices.

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