I have had this card for years and was happy with it, recommended it to people, and always paid on time. Suddenly I was downgraded without choice to a Petal 1 Rise that charges a monthly membership fee. They refused to let me change to a different card without a monthly fee so I will be closing one of my oldest cards. I'm very disappointed with Petal.

This card can be the best great card out there. i will urge you to use it and get things done like i did, i once needed help and its been for the past 2 years now.. I met a lot of unreal and incompetent people that cant do what they proposed. I met this Ethical programmer on Credit karma, when i read a review of another fellow he helped. I am happy to be in a good shape with everything concerning my credit now. with annwat25 g-m a i l your credit report problems are all solved. always ready to help.

I was a customer for 4 years, great credit, high income, and these jerks thought it was a good time downgrade me to a card with a high annual fee with only a 30 day notice. You were blocked from doing anything on the website or app unless you agreed to be downgraded or agreed to cancel your card. I cancelled, and took a 20-30 point hit to my credit score (good thing I had another card about as old as Petal). You don't pull this crap with loyal long time customers. Don't do business with Petal ever. Go with Capital One. The starting annual fee is half that of Petal (if you don't qualify for a no annual fee card), and you can upgrade to a no annual fee card after 2-3 years if your credit is good. If you know someone that has a Petal card, tell them to get a new card and get rid of Petal asap to minimize future credit impacts of Petal's bad business practices.

After having this card for a few years they decide to change my no fee card to a new card that charges a $8 month fee. Then at the end when they make me close the account they steal my existing rewards earnings. My credit score is in the high seven hundreds and I paid the card off in full every month. I guess if you have good credit and they cant screw you with high fees and interest they just dump you. STAY FAR AWAY!

Should have a class action filed against them, after having a card open for years they say I have to pay them $8 a month and a previously free credit card or close my account. Thanks for ruining my longest opened accounts scammers

Synchrony bank... the issuer of this card is a bit volatile in my opinion. When things are going their way and reports look good to their execs everybody's happy. When they have a couple months of cloudy reports or poor market expectations, they'll call on their most reliable cardholders for capital by telling them to switch to a differeent card of theirs with higher fees & interest or close the account. After six years of being happy with this card... they did this to me. Never a missed payment... never over limit... never any misdeed or infringement by me. I immediately paid the balance and closed the account. I also had a smaller Synchrony account I paid to zero as well. This bank may be unstable. when they have a rough patch they will call on you to close your account or pay fees. read your cardholder agreement carefully! This bank won't give you much time to comply.

Lousy customer service.

It starts out fine and then they hit you with a downgrade to a different card with an annual fee. I closed the account. Do not bother with this card.

I was so excited when I first got my Petal card. Then after about a year of having them they send an email laying I have 2 choices to close my account which everyone knows harms your credit. Or to accept the new terms which applies a $8 monthly fee. Which is $96 a yr!!! I'm absolutely outraged that I had to find all this out by an email and had I known this was going to start charging me monthly not annually MONTHLY I WOULD NEVER HAVE SIGNED UP!!! BEWARE

Got a Petal 1 card about 4 years ago to help rebuild my credit. It had no fees, gave cash back, and I got a 2k limit. About a year later they switched me to a Petal 2 card, which was essentially the same thing, and increased my credit limit to 2.5k. Like so many others reviewing here, I got an email saying they were switching me to a Petal 1 Rise card that had a monthly 8 dollar fee. No extra benefits at all, only now I have to pay 8 dollars a month. I can opt out, but to do so I have to cancel my card. Stay far away from Petal! I'd even recommend that if you're not affected by this change and you have a Petal card to just apply for a new card and then cancel your Petal card anyway. Don't support these people. Truly despicable.