# Sparrow Card App — user reviews > 125 indexed App Store user reviews of Sparrow Card App by Sparrow Financial, Inc., rated 4.90/5 from 3,296 ratings. - Source: https://appshunter.io/ios/app/sparrow-card-app/id6450669712/reviews - App overview in markdown: https://appshunter.io/ios/app/sparrow-card-app/id6450669712.md - Rating breakdown: 5★ 3,099 · 4★ 104 · 3★ 26 · 2★ 15 · 1★ 52 ## What do users think of Sparrow Card App? Overall sentiment: mixed **Pros** - 👍 Easy to use app - 🚀 Payments post immediately - 💳 Can pay at the pump for gas - 🆙 Credit limit increases - 🤝 Good customer service - 📈 Helps build credit - 🔒 Secure monitoring of activity **Cons** - 🔒 Card blocked for no reason - 💰 High fees - 🕰️ No auto-pay option - 🤯 Predatory lending practices - 🔒 Account locked for no reason - 🤔 Suspicious activity detection issues **Commonly reported bugs** - Payment issues and missing payments - Declined transactions due to new card **Most requested features** - Auto-pay option - Better fraud detection and dispute resolution ## Newest reviews (11 of 125) ### 2/5 — Delayed Credit Bureau Report *2026-03-29, version 4.5.2* Why is it that Sparrow only reports to certain credit bureaus every other month? It reflects in my credit score that I’m always behind on a payment due to this. That’s why I will be closing this account. ### 2/5 — Not the best choice *2026-03-12, version 4.5.1* Come to find out I can’t use this card in app and several other things. Even though it’s listed as you can and claims you can. Then they blame the company I’m purchasing from went to the companies website as long as it a visa, Mastercard and so on doesn’t matter the company they accept the payment. But sparrow claims up and down they don’t. Have in app purchases listed which is a lie you can’t. So if you are looking for a Therapeutic way to ease yourself this card isn’t it. Imagine if I went in store to purchase something and it’s declined. Smdh. Waste of my time honestly. Will be paying it off this summer and canceling I don’t need a card I can’t use to keep myself sane. Never had a credit card I couldn’t use in app for purchases. So this is definitely a first but they shouldn’t lie on a company because they don’t know how to fix the issue which starting to believe the card is restricted for security purposes and they just don’t want to deal with it ### 5/5 — Great Card *2026-02-27, version 4.4.9* I love this card it’s a help for me when I’m low on cash I highly recommend this card to everyone ### 5/5 — My card *2026-02-26, version 4.4.9* It’s awesome they live up to there word it didn’t take long to get my credit increase 🥰 ### 5/5 — Nice app *2026-02-21, version 4.4.6* It’s a very easy app to use! ### 2/5 — Not ready for primetime *2026-02-17, version 4.4.3* The good - The app itself is slick, great interface -Apple Pay looks great and works well -straightforward in how it works and no-nonsense when it comes to rewards The Bad -Not sure what their infrastructure is but I’ve had 3 separate instances, each lasting over 24 hours where I can not use my card at all. And I’ve had my card for 4 months as of this posting. -They claim system updates but they provide no update or no notifications when that is done which makes me think that they are misleading us to hide some severe operational issues. -Doesn’t inspire confidence when traveling that this card will be there when you need it. Overall, it’s a slick product that I wish they spent more into making the bones of it work. Not much use in the experience if you can’t actually use it. ### 3/5 — Love this app and card *2026-01-16, version 4.3.6* App is user friendly and satisfying to use. ### 5/5 — Top Notch *2026-01-13, version 4.3.6* Easy to apply for and receive. I recommend this card if you have less than perfect credit and trying to rebuild your credit. Thank You Sparrow. ### 5/5 — Approval *2026-01-05, version 4.3.6* This company is awesome! Got approved and less than 3 months got an increase! ### 5/5 — Great card *2025-12-18, version 4.3.6* This is an amazing card. I’m very excited to have it. I’ve had it for about two years now and I paid it on time I get credit limit increases periodically I was paying I believe was $125 an annual fee however that turned into eight dollars after the first year. ### 5/5 — Awesome! *2025-12-16, version 4.3.6* The app is super easy to navigate, one of the easiest apps ever!! 👍🏻 ## Most critical reviews (10 lowest-rated) ### 1/5 — Can’t Make Payments All of the Sudden *2026-08-20, version 5.0.2* When I go to make a payment, it’s grayed out and won’t allow me to make my payment. Fix this. Cause next thing you know, you’ll be trying to charge me late fees. ### 1/5 — App sucks *2026-08-15, version 5.0.2* I downloaded this app thinking I found the perfect one but I can’t even make an account 🤬🤬 ### 1/5 — Think about it! *2026-08-07, version 4.9.3* Probably the worst possible credit card that you could possibly get. You may want to avoid it. ### 1/5 — Call center representative *2026-06-12, version 4.7.5* I had a bad experience with the call center representative, she looks like someone in a harry she just wants to end the call , even when I informed her I had a problem with my card before she didn’t try to say anything she just wanted to finish the call with me , bad service and bad communication ### 1/5 — Block my card *2026-05-28, version 4.7.5* They keep blocking my account for no reason at all ### 1/5 — Do not download *2026-05-06, version 4.7.4* Scam ### 1/5 — Virtual card sucks. *2026-04-12, version 4.6.0* Says virtual card can be used immediately, but declines on me twice. ### 1/5 — Hurts more than it helps *2026-04-03, version 4.5.2* I’ve been with this company for two years now. Recently I was offered a card through Capital One and that’s when I started noticing a real difference in my credit. Sparrow has an extremely low balance and it’s next to impossible to get an increase. Within my first three months with Credit One my credit limit was increased to well over two thousand dollars as where with Sparrow, I have a $300 limit after two years of no missed payments and minimal usage. At the end of the day, I canceled my Sparrow card and chose Capital One as my credit repair option. Don’t waste your time with high fees and low results, get a capital One card and avoid all this BS ### 1/5 — App is the worst! *2026-02-07, version 4.4.3* I have no complaints about the actual card, but the app is horrible! It won’t open. I have restarted my phone, deleted it and reinstalled. made sure it’s updated, and it still doesn’t open. Makes it kinda hard to make a payment. Please fix this!! ### 1/5 — Didn't even open *2025-11-24, version 3.7.2* I downloaded this app so excited just do find out it doesn't even work! ## Most praised reviews (10 highest-rated) ### 5/5 — Wuera *2026-08-05, version 4.9.3* Me encanta porq puedes usar el dinero luego luego 🥰🥰🥰 ### 5/5 — Just great *2026-08-05, version 4.9.3* I love the flexibility I have with this card ### 5/5 — Sparrow *2026-06-18, version 4.7.5* I love the easy way to use the car and I really love the simple and quick way to make a payment without a lot of hassles and associates in Computers and Voice recorders making payments for you I love the way you guys made it simple and easy to do. Thank you so much. ### 5/5 — Great App *2026-06-01, version 4.7.5* The Sparrow App is user friendly. Easy to navigate. 👍🏼 ### 5/5 — love the app *2026-05-18, version 4.7.5* i love this app, it is straight forward and simple to use. quick too. i would recommend 100% ### 5/5 — Best card for bad credit *2026-05-09, version 4.7.4* Only I think I wish they had was upgrade to another card that has more rewards . But I love this so much. ### 5/5 — Great card for building credit *2026-05-05, version 4.7.4* Love the card! ### 5/5 — Simplicity *2026-05-02, version 4.6.0* So easy to use and quick to pay!!! ### 5/5 — Is it to use *2026-04-21, version 4.6.0* 100% ### 5/5 — Thank you *2026-03-01, version 4.4.9* Love Sparrow --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-07.*