Commerce · alternatives · 2026

24 alternatives to Petal

A better way to start building credit — now available!

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Petal launched in 2018; newer entries below may have overtaken it.

1. 1
   Petal▲488

   A simple, no-fee credit card

   2017 · petalcard.com · its alternatives →

2. 2
   Petal▲2

   A simple, no-fee credit card

   2018 · petalcard.com · its alternatives →

3. 3
   Apple Card▲536

   A new kind of credit card from Apple

   2019 · apple.com · its alternatives →

4. 4
   Coin (iOS)▲288

   One credit card to rule them all

   2014 · apps.apple.com · its alternatives →

5. 5
   Affirm▲289

   The future of credit, now on your homescreen.

   2017 · affirm.com · its alternatives →

6. 6
   Chime Credit Builder▲91

   A new way to build credit

   2020 · its alternatives →

7. 7
   Debitize▲160

   Credit card perks without credit card debt

   2016 · its alternatives →

8. 8
   Tillful Card - Credit Building Card▲101

   All-new business credit card that builds your credit score

   2022 · nav.com · its alternatives →

9. 9
   Grow Credit▲21

   Boost Credit For Free On All Three Credit Bureaus

   2021 · growcredit.com · its alternatives →

10. 10
    Exalt▲7

    Credit cards for the creative economy

    2020 · its alternatives →

11. 11
    COCA▲399

    The world's first MPC wallet with non-custodial card

    2024 · coca.xyz · its alternatives →

12. 12
    Alloy Card▲116

    Alloy Card is the first credit card with automation

    2020 · its alternatives →

13. 13
    Debitize▲19

    Credit card perks without the debt, now on iOS

    2018 · its alternatives →

14. 14
    Debx▲96

    Perks of your credit card, peace of mind of your debit card

    2018 · its alternatives →

15. 15
    Offset – Credit card powered by trust between people▲150

    2020 · offsetcredit.org · its alternatives →

16. 16
    Mythia▲160

    A credit card for gamers, by gamers

    2020 · its alternatives →

17. 17
    Killing credit cards – meet Bits, a privacy first borrowing app▲13

    Build your UK credit score with the Bits credit builder card. Soft check, decision in 60 seconds, reports to all three credit bureaus. Rated Excellent on Trustpilot.

    2019 · getbits.app · its alternatives →

18. 18
    TomoCredit▲76

    Earn crypto as credit card rewards

    2019 · tomocredit.com · its alternatives →

19. 19
    Up Credit▲71

    Get detailed credit reports

    2021 · apps.apple.com · its alternatives →

20. 20
    Plastiq▲126

    Make any payment by credit card

    2015 · plastiq.com · its alternatives →

21. 21
    Relief▲202

    The free app that gets rid of your credit card debt

    2021 · relief.app · its alternatives →

22. 22
    Onsurity Edge▲214

    All-in-one platform for employee healthcare & wellness needs

    2022 · onsurity.com · its alternatives →

23. 23
    ARKAD Wallet▲110

    Control your budget with voice

    Jul 2026 · arkadwallet.com · its alternatives →

24. 24
    The Paceline Card▲96

    Your health is your wealth

    2022 · paceline.fit · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →