Petal Card Reviews

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 PetalCard not working on iOS 13, but it has since been updated. (Though I would LOVE dark mode)

The card itself is nice, no international fees, accepted almost everywhere, easy to use and the customer service is super helpful. PetalCard is so annoying and nearly everytime I try to login, it asks to verify my identity with a text. Using Face ID i feel this shouldn’t be necessary and just adds an extra step almost always. This is especially frustrating when I have been abroad as I have a different SIM card out of country and can’t even receive the text, essentially blocking me out of viewing my account info. This has happened countless times. Also, it sometimes picks and chooses where it is accepted and I have had the card declined for reasons that I do not understand and just looks bad when out to eat with friends and it randomly won’t be accepted at well established places while abroad. Cool concept for a card, easy to get accepted, and PetalCard is nice and user friendly. But with the countless times I’m unable to access PetalCard due to the extra verification has really turned me off from card itself.

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.

Hey y’all,

Petal makes it easy. PetalCard layout is straight forward and easy to use, and it moves seamlessly from one section to another. You can check your balance on the main page, then pay it off just by clicking over to the next page on PetalCard . PetalCard brings over all your benefits from your account and lays out how to increase your cash back; serving as a reminder to keep up on the card payments and showing that the rewards are close within reach. This is my first credit card and PetalCard just streamlines the process and my credit is doing great in part because of the help PetalCard provides.

Get the Petal App, you won’t regret it.

I have been with Petal since they first started accepting customers. I aways pay off in full, and have never been late/missed a payment whatsoever. My experience has always been pleasant even with the lack of any rewards (the new ones they rolled out are garbage at best), until recently that is... I received notice my credit limit would DROP to $750 from several times that amount originally due to “lack of usage”. All the while, when asking for a credit limit increase in the past, I was told “MAKE SURE YOUR UTILIZATION IS LOW AND YOU PAY OFF” by their customer service. I have never had a card decrease my limit due to not using it enough, especially after being a positive customer for so long. I am closing my account as it is just clutter in my wallet anyway, and do not recommend Petal to anyone except those who have subpar credit and really need something like this. Fortunately, I’m not there, so I’ll stick to my higher rewards cards and forget about Petal. :)

I applied for Petal so I could have a credit card in Europe that wouldn't rack up international fees like my Chase credit card and was actually usable outside of the US unlike my Discover card. Petal has been my go-to card and I'm really enjoying the perks and the super-low interest rate. As a student, it's hard to find credit cards that don't hold your short credit history against you, but Petal has been fantastic! PetalCard is very streamlined and straightforward, which is my second-favorite part of the experience. The best? The card is so pretty! I absolutely recommend Petal!

I recently changed my phone number and thought Oh it’ll be fine. I’ll just go into the account settings or call them up and I’ll be good to go. Ha nope. You have to use your freaking phone number to login every time and that is the only way. Cause my password is totally not safe already and face id. What a joke. They’re email is screwed up and they can’t approve all the written information for my new number. Like another reviewer said, do i really need to go through an fbi interview to change my phone number and they can’t trust the information you are telling them over the phone?! Common guys. Get with the program. Every other credit card company i have i just punch in my new phone number and done. No hassle. You can’t even login through your computer without your phone!

This is a great card, no problems yet. After like 4-6 months of having the card I got a credit line increase which was nice. The only issue is that my husband could not get the petal card because they don’t have Zions bank listed. He was the one that really needed to start building credit after some fraud happened to him. They accepted my credit union BECU just fine though. Also they need to figure out how to get to the point of adding people under you so I can add him to my credit card like the discover it credit card does. That’s the only way to build someone else’s credit who has had fraud happen to them.

The idea of this card is so beautiful and I honestly really love this card. There are a new bugs though- sometimes different banks have a delay with payments and logging in to access your bank doesn’t work. For me, I had to add my routing and account number so the account totals were inaccurate on that page. I wish Apple Pay and tap to pay were norms. I also believe you should be able to request a lower APR and a higher limit if you’ve paid off everything on time since you’ve had the card. Overall, I love this company and I will definitely be a long time customer. Petals support team really is different than others and they work so hard!

I am very pleased with Petal so far. As someone who is trying to rebuild and establish credit after a years-long hiatus, I am happy to have a credit card that makes it really easy to stay on top of things- and rewards you for doing it! I paid the minimum payment early on my first monthly statement and already got a cash back reward! I thought I’d have to wait until the end of the fiscal year 😂 It’s nice to see the perks in real time. Also, their customer service is pretty phenomenal. Very friendly and personable staff unlike what I’ve experienced with traditional banks and credit card companies. Keep up the good work guys!

I’ve had a Citibank credit card since 1989 and an Amex since 1992. They both offer a lot of great functions on their apps but they feel like last century’s businesses trying to catch up. Petal is the first credit card that has an app that seems like they “get it”.

Yes, PetalCard isn’t as feature-rich as some other cards but I expect they’ll get there. Most important, while it’s not of use to me (I have long-established excellent credit) I can see how their “credit card for people without a credit history” is really clever.

1. Petal is very simple to use. There is no cash advances or hidden fees or anything difficult that often causes more risk for credit card debt.
2. Cash back is real and you ACTUALLY get to see your cash back.
3. The Card itself is supper clean, simple, and yet stylish looking. No seriously I’ve gotten many compliments at bars or restaurants on the sheer look and design of this card.
4. My only issue is the amount of time it takes them to actually withdrawal your payment from your bank account and reflect it in your available balance. Hopefully with more time to establish itself this will become less of an issue or the time will have at least shortened.

Petal has surpassed my expectations in every way. A usable account limit, grace period, and payment posting. The one thing I would like to see improved is the long delay to adjust available credit. Payment post instantly but update to available credit takes a week or more which hinders the next purchase, especially when I pay the entire balance monthly. PetalCard is lightning fast and accurate. It has been a great experience overall.

Unless you have a 700+ credit score they “might” approve you! But just stay far away! They are anything but a credit card with a conscience. They will run a credit check and their credit response comes from Experian, if you are new to credit or just starting out or have been delinquent but have paid off your delinquency you will still be DENIED! I have a 645 credit score i had late payments in the past year when i got laid off, but all that has been paid to date when i went back to work. i’m concerned about my personal info. now in their possession and who knows what they will do with it! But you better hope you make a good salary and have a clean credit with just a 700+ credit score. They a joke like everyone else that so claim to help your credit

Great card helps with building credit as I am young (20years old) although this card can take long to report payments on to the bureaus but it’s get there, and also I’ve never had any surprises with fees or money because I’m pretty much always on time, but a teller from Wells Fargo told me it was kinda high but .. like I said I don’t have any problems and you won’t either if your on top of it . Current credit limit :$750 , they haven’t given me a raise yet lol

I actually got this card because I wanted the 2% cashback, but it is a really good card if you’ve never had a credit card before. My only complaint is I like being able to pre schedule payments for anticipated purchases, but PetalCard won’t let you. Also, while I’m sure it’s helpful for other people, the email and notification alerts that come when you're about to pay off the card but you “don't have the funds in your account” are annoying, especially when the next day is payday so I’ll definitely have the funds.

I’ve returned items from a store and the Petal card company messed up on the return and charged me instead. I have screenshots where it first says return and charges. I called them 3 times already and still have not gotten my credit return on my balance. They then changed what my online banking says that they did a “double” return and returned too much money. The balance in this card does not add up. Since the situation i only had one transaction which happened also on the day i returned some stuff and my balance is that purchase WHICH SHOULD BE LESS BECAUSE I DID A RETURN! I would not use this card company anymore. I am disappointed on how the customer service handled my concerns.

I’ve been using this card for about 3 months now and I have no complaints! PetalCard is easy to use, as well as the desktop webpage. The card has a neat design that has never given me any issues at the multiple stores and gas stations I’ve used it at. The cash back and payments for the bill cycle sometimes lags but it goes through smoothly! Love this card! As a past damaged credit score owner this card is helping me build up.

I downloaded PetalCard and tried to apply however was not allowed to submit an application due to an error in the address verification system. The system will not pull up my address and when I try to put it in manually it tells me I must live in the United States. I tried using what would be called a common gps address of which that street name hasn’t been legally used in over 50 years, the drop down menu would show the address but when click next is says address not found. I would highly recommend getting your address info from the post office not google if you are going to use it verification

So far I’m off to the wrong start with petal.
The concept of the card and company are good but the execution of chromed service is poor.

Customer support doesn’t seem to have the power or resources to escalate matters or do more that read off a script for now.

I was approved for petal on Jan 28, due to not being able to change my address after a move I’m stuck waiting not to receive my card but to be able to request a card sent to my new address.

Having dealt with my other credit card companies customer support is very obvious that they are more invested in providing quality customer service.

At one point after waiting on the phone I was told to email petal for better help.

What is like to see from petal:

Apple Pay/ability to add card to wallet before card is sent out.

In app messaging with customer support.

A way to verify identity rather than wait a total of 60 days to change an address and receive a new card.

Customer support trained to answer questions and resolve problems.

So far petal is not very impressive and hasn’t.