Five Lakes vs Sparrow Card App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Five Lakes
Track your financial program's progress and view enrolled accounts. Connect with a dedicated client success team for support and receive personalized financial tips and inspiration.
- Program progress review
- Enrolled account management
- Client Success Team connection
- Personal finance tips
- Financial journey inspiration
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- Review your program's progress and enrolled accounts - Connect easily with Five Lakes's Client Success Team - Receive personal finance tips and inspiration for your financial journey
Sparrow Card App
This app offers a credit card designed to help individuals with less-than-perfect credit build their financial future. It provides features like cashback rewards, real-time notifications, and tools to help users improve their credit score and access credit line increases.
- Virtual card access
- 1% cashback on on-time payments
- Real-time notifications
- Credit score monitoring
- Credit line increase opportunities
- Card management (freeze, replace, PIN reset)
- Reporting to major credit bureaus
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Sparrow was born with a mission to empower the underserved and overlooked by removing the financial barriers that arise from less than perfect credit. We have designed a revolutionary credit card, meticulously crafted to help guide our customers on a journey to financial freedom. Introducing the Sparrow Rewards Mastercard, an unparalleled credit card with a range of unique features: - Experience the convenience of a virtual card, granting you immediate and continuous access to your credit line - Earn 1% cashback on all your on-time payments, rewarding you for responsible financial behavior - Stay informed with real-time notifications, keeping you updated on all your card activity - Explore the Climb to Prime app feature where you can gain access to credit line increases, keep an eye on your credit score, and learn the rules of the credit-scoring game In addition to these remarkable benefits, the Sparrow app provides a seamless user experience, allowing you to effortlessly make payments, freeze and replace your card, update personal information, reset your PIN, and easily manage recurring subscription charges. Plus, Sparrow reports your account performance to all 3 major credit bureaus, guaranteeing that your creditworthiness is recognized and rewarded, opening doors to better financial opportunities. Sparrow Financial, Inc. is a financial technology company, not a bank. Sparrow’s bank partners are Evolve Bank & Trust, Focus Bank, and The First National Bank of Lacon. The bank issuing your card will be identified on the back of your credit card and in your Cardholder Agreement, which governs the use of your account. Sparrow cards are issued pursuant to a license from Mastercard International Incorporated.
Screenshots
Verdict
Five Lakes and Sparrow Card App both sit at 4.9 stars, but that hides the real split: 93% of Five Lakes's written reviews are positive against 63% of Sparrow Card App's. Five Lakes also leads on update cadence (weekly vs every 3 weeks). On price, rating, ratings volume and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.9 for Five Lakes against 4.9 for Sparrow Card App. Both are backed by a comparable volume of ratings — 4.9K and 3.5K respectively. Written reviews are what separate them: 93% of Five Lakes's written reviews are positive against 63% of Sparrow Card App's.
Five Lakes ships an update weekly, Sparrow Card App every 3 weeks. Both last shipped on October 27, 2026.
| Parameter | Five Lakes | Sparrow Card App |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (4.9K ratings) — better | 4.9 (3.5K ratings) |
| Positive reviews | 92.8% of reviews — better | 62.5% of reviews |
| Number of ratings | 4.9K — better | 3.5K |
| Update frequency | Weekly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 79 MB | 123 MB |
| Age rating | 17+ | 4+ |
| Developer | Sergio Rabiela | Sparrow Financial, Inc. |
Customer experience
Five Lakes
Sparrow Card App
User reviews
Five Lakes
From 4.9K App Store ratingsWhat we love
- 🚀 Debt Relief Fast
- 👍 Fixing my debt
- 👍 Debt Reduction Help
- 👍 Easy way to get out of debt
- 👍 Thankful
Room to improve
- 🐛 Scam
- ⚠️ Not informed on everything
- ⚠️ Be Cautious
- ⚠️ No communication
- ⚠️ Not a happy client
Sparrow Card App
From 3.5K App Store ratingsWhat we love
- 👍 Easy to use app
- 🚀 Payments post immediately
- 💳 Can pay at the pump for gas
- 🆙 Credit limit increases
- 🤝 Good customer service
Room to improve
- 🔒 Card blocked for no reason
- 💰 High fees
- 🕰️ No auto-pay option
- 🤯 Predatory lending practices
- 🔒 Account locked for no reason
Bugs and requests
Five Lakes
Reported bugs
1 issue- The app not working since last update
Requested features
2 requests- Dark mode option
- Advanced analytics dashboard
Sparrow Card App
Reported bugs
2 issues- Payment issues and missing payments
- Declined transactions due to new card
Requested features
2 requests- Auto-pay option
- Better fraud detection and dispute resolution
In-app purchases
Five Lakes
No in-app purchases
Sparrow Card App
No in-app purchases
Questions
Is Five Lakes free?
Is Sparrow Card App free?
Which has better reviews, Five Lakes or Sparrow Card App?
Do Five Lakes or Sparrow Card App have ads?
Which is updated more often, Five Lakes or Sparrow Card App?
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