Comparison

Five Lakes vs Sparrow Card App

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Program progress review
  • Enrolled account management
  • Client Success Team connection
  • Personal finance tips
  • Financial journey inspiration
Features
Read full description

- 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

About

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.

Highlights
  • 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
Features
Read full description

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

Five Lakes4 screens
Sparrow Card App4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Five Lakes ships an update weekly, Sparrow Card App every 3 weeks. Both last shipped on October 27, 2026.

Scorecard2 real differences · 8 level
Five Lakes versus Sparrow Card App: the parameters behind the verdict, then further details
ParameterFive LakesSparrow Card App
PriceFreeFree
Rating4.9 (4.9K ratings) — better4.9 (3.5K ratings)
Positive reviews92.8% of reviews — better62.5% of reviews
Number of ratings4.9K — better3.5K
Update frequencyWeekly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.115.0 — better
Further details — not scored
Size79 MB123 MB
Age rating17+4+
DeveloperSergio RabielaSparrow Financial, Inc.

Customer experience

Five Lakes

All ratings4,895 ratings
Positive98.6%
Neutral0.7%
Negative0.7%
Written reviews264 reviews
Positive92.8%
Neutral2.3%
Negative4.9%

Sparrow Card App

All ratings3,442 ratings
Positive97.1%
Neutral0.8%
Negative2.1%
Written reviews128 reviews
Positive62.5%
Neutral4.7%
Negative32.8%

User reviews

Five Lakes

From 4.9K App Store ratings

What 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 ratings

What 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

None

Five Lakes

No in-app purchases

None

Sparrow Card App

No in-app purchases

Questions

Is Five Lakes free?
Five Lakes is free to download, with no in-app purchases.
Is Sparrow Card App free?
Sparrow Card App is free to download, with no in-app purchases.
Which has better reviews, Five Lakes or Sparrow Card App?
Five Lakes is rated higher. Five Lakes averages 4.9 out of 5 from 4.9K ratings, while Sparrow Card App averages 4.9 from 3.5K ratings.
Do Five Lakes or Sparrow Card App have ads?
Neither Five Lakes nor Sparrow Card App shows ads.
Which is updated more often, Five Lakes or Sparrow Card App?
Five Lakes ships an update weekly, and Sparrow Card App every 3 weeks. Most recently, Five Lakes was updated on October 27, 2026 and Sparrow Card App on October 27, 2026.

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