Petal Card

• Free

Last verified 5 Sep 2026

4.7 10853 ratings · App Store

1. 1/5They turned my no fee card into a monthly subscription

   I’ve had problems with Petal since the beginning. They advertised a card based on my credit score, income, AND total assets, but when I applied, no questions about that were asked and none of that was taken into account. So, I ended up with a very small Petal 2 credit line (I had two cards with 10x the limit they gave me). They were very unprofessional when I asked them to reconsider, and basically said, “Take it or leave it.” Then, after about two years with no missed payments or anything on my end, yesterday I got an email saying they were changing my account to an $8/month subscription! What reputable company has ever done that? And if you don’t like their new plan for your account, you can’t switch to another free card, they tell you to just cancel your account. My agreement with them was for a no-fee card, and this is clearly a bait-and-switch tactic to squeeze extra money out of their card holders, so I cancelled. Do not apply for this card!! There are so many better credit cards out there, trust me, you don’t need this one with a yearly $100 fee.

   pdp_2 · 5 Sep 2026

2. 1/5Forcing people to cancel

   I have had the Petal 2 card for over two years. It was a good starter card to build credit, but now it is suddenly emailing many customers that they will be downgrading the Petal 2 card down to Petal 1 Rise. With this downgrade, there are no new benefits but a new annual fee of $96. This is higher than the annual fee of the Petal 1 Rise if you apply for it instead of being downgraded, which is $59 per year. I have read many peoples feedback on this same matter, and it is affecting all types of customers—those who have not touched the card in years, as well as those who are currently using it as their only credit line. Customer service will not give any reason to why people are being downgraded. Many people giving feedback, including myself, have had no late payments ever or any negative reason to justify a downgrade. It seems Petal is simply forcing people to cancel and close their credit cards for whatever reason. Through email or phone call, no answers are given other than “this is a common practice in the industry”. They mention these changes are based on the “economy and other factors” but cannot and will not state why it is affecting specific people.

   Dpthegod · 5 Sep 2026

3. 1/5WORST 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!

   Glimmerite · 5 Sep 2026

4. 2/5Randomly Suspends My Account Without Warning

   I have had this card for about a month, and it has already suspended my account twice. The first time was less than a week ago, when it was suspended during the weekend. I was only able to get it back working on Monday as their customer support doesn’t work weekends. They said it was suspended due to me “mis-entering” the card information 4 times online when trying a purchase. Both my wife and I attempted to order something several times and we are certain we entered the card details correctly. It is not rocket science. As of today, Wednesday, my card is once more suspended. I have only made one minor purchase in between suspensions, which was at Kroger. I tried to purchase groceries this evening and my card was declined, and an automated email has informed me I have been suspended again. As one may imagine, this card has grown to cause many frustrations in the short time I have had it. For more intel, my account is not overdue, so I am genuinely left confused and disappointed.

   Ben Berges · 5 Sep 2026

5. 2/5Credit Builder Misleading - Poor Customer Care

   if you were thinking about this as being what they claim it to be, the future of Credit, then you are sadly mistaken and sadly misled. How could one card be the future of Credit when they don’t even update your credit score for three years in their system. Not one month, not one year, three years. The last time that most of these credit scores have been updated the system for 2022. The last time they have given a credit increase, never. They claim to have a leap program, the only thing it’s doing is leaping over you with misleading advertising of trying to help build credit. In the same timeframe that I’ve had this card, 100% or in this case seven cards, have provided generous increases and in most cases multiple increases, all the wild card has given nothing. The only reason I have given it an extra star and not one, it just sits in my wallet and does nothing big of a deal. It is now time to garden the Credit garden and remove the weeds. This card unfortunately is a weed. If it’s not helping you it’s hurting you! Get it together Petal!!

   Mack858 · 5 Sep 2026

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