Overall card rating

3.8
73 Reviews
from Credit Karma members

Most helpful positive review

Mar 12, 2021
Does what's promised
Credit Karma Member

If you're someone getting their first credit card and has needs work to fair credit this card is for you. The credit limit is pretty low ($500 starting out) but that is so you don't overspend and are able to pay your card off no problem. Since I got the card my credit has taken a big leap! Would highly recommend! The app is also super easy to use and navigate!

Helpful238
Not Helpful80
Comment16
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Most helpful negative review

Apr 20, 2021
They lower your credit
Credit Karma Member

I used to love this card they give you higher credit when you open . But then few months later they decreased your credit which it affected your credit score.

Helpful381
Not Helpful208
Comment18
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Member ratings

Application process
Customer service

All member reviews (73)

23
10
1
4
35

Dec 21, 2022
Caution do not apply
Credit Karma Member

Caution do not apply please

Helpful2
Not Helpful2
Comment0
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Dec 15, 2022
Closed due to inactivity! No warning
Credit Karma Member

They closed my account due to inactive with no warning or alert that this was imminent. Called and there is no way to reactivate. This will lower my available credit/ raise my credit usage.

Helpful3
Not Helpful0
Comment0
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Nov 23, 2022
Not reliable
Credit Karma Member

I just closed mine with 5000 credit limit I had it for a year. It’s not reliable. It’s a joke

Helpful3
Not Helpful4
Comment0
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Sep 16, 2022
Nonsense
Credit Karma Member

Credit Karma says Outstanding approval odds. Get declined for having newer accounts. Outstanding my foot!

Helpful28
Not Helpful1
Comment3
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Sep 11, 2022
Credit Karma said I have excellent approval .
Credit Karma Member

I applied for a petal visa because I thought credit karma for sure thought I had excellent approval odds. I apply and get declined another hard enquiry to lower my credit score on top of r declination .I get approved for a BestBuy card but not a generic Petal Visa, really makes me not trust credit karma.

Helpful46
Not Helpful3
Comment2
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Jul 30, 2022
28.49 APR???
Credit Karma Member

Got approved for $2k with an instant credit bump to $2,600 if I linked my bank account, uh NO! When I got the email approval from them and it said 28.49% I said well this card will never see a charge. This card will fit perfectly in my drawer, but because of the $2k in credit it does increase my overall buying power against the 'ol 30% or lower utilization.

Helpful45
Not Helpful2
Comment2
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Jul 20, 2022
dont waste your time or score
Credit Karma Member

credit karma said outstanding approval odds got denied thanks credit karma for the hit

Helpful49
Not Helpful2
Comment0
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Jul 10, 2022
Ridiculous
Credit Karma Member

Applied for card. They immediately email me saving I need to verify my identity. They have no problem accessing my Experian credit file and dropping my score 10 points but now I have to submit info to verify my identity. Didn’t have to do this with my Amex Discover or Chase card however petal doesn’t believe I’m who I am

Helpful42
Not Helpful7
Comment1
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Jun 23, 2022
Nothing but a hard pull
Credit Karma Member

Had great odds. Even did pre approval and had to link my bank account. Was told by petal I was approved for the petal 1 and petal 2 card and just needed to do the hard pull. So of course with everything good to go I pressed the button just for them to go oh never mind we can’t approve you. Even if they approve me later I will not do any business with them after this. Should have just denied the pre approval.

Helpful54
Not Helpful1
Comment0
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Jun 22, 2022
Almost perfect for new credit users
Credit Karma Member

I got this card 8 months ago to start out my credit journey, I only used it for gas for 7 months (last month got a discover card) but while using this card by month three I had a 689 credit and it only went up I am currently at a 711 in just under a years worth of credit history if I have to recommend a card this is the one I’d say it’s only for credit builders though which is the only downside I see

Helpful33
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Comment3
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1-10 of 73

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