Sparrow Card App vs SpendChart
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
SpendChart
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No email signups. No connecting to banks. Just scanning receipts. All scanned data stays on your device, locally. You only share with family via email, if you choose to. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://openmediallc.us/privacy-spend-chart
Screenshots
Verdict
The clearest difference is in-app purchases: Sparrow Card App at none against SpendChart's 1. SpendChart's advantage is update cadence (every 10 days vs every 3 weeks). On price, ads, device support and iOS requirement 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. SpendChart sells 1 in-app purchase, starting at $1.99 per month. Sparrow Card App asks for nothing beyond the download.
Sparrow Card App ships an update every 3 weeks, SpendChart every 10 days. The most recent releases landed on November 3, 2026 and October 24, 2026 respectively.
| Parameter | Sparrow Card App | SpendChart |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (3.5K ratings) — better | — |
| Positive reviews | 62.5% of reviews | — |
| Number of ratings | 3.5K — better | — |
| Update frequency | Every 3 weeks | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 123 MB | 12 MB |
| Age rating | 4+ | 4+ |
| Developer | Sparrow Financial, Inc. | OpenMedia USA LLC |
Bugs and requests
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
SpendChart
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Sparrow Card App
No in-app purchases
SpendChart
- SpendChart Plus1 Month trial$1.991 Month
Questions
Is Sparrow Card App free?
Is SpendChart free?
Do Sparrow Card App or SpendChart have ads?
Which is updated more often, Sparrow Card App or SpendChart?
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