# Sparrow Card App vs SpendChart

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.

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.

## The numbers

| Metric | Sparrow Card App | SpendChart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (3.5K ratings)](https://appshunter.io/ios/app/sparrow-card-app/id6450669712/reviews)** | — |
| Number of ratings | **3.5K** | — |
| Positive reviews | 62.5% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 10 days** |
| Monetization | Free | — |
| Size | 123 MB | 12 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Sparrow Financial, Inc.](https://appshunter.io/developer/1694265605) | [OpenMedia USA LLC](https://appshunter.io/developer/1887436449) |

## What reviewers say

### Sparrow Card App

[App page](https://appshunter.io/ios/app/sparrow-card-app/id6450669712)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use app
- 🚀 Payments post immediately
- 💳 Can pay at the pump for gas
- 🆙 Credit limit increases
- 🤝 Good customer service

**What reviewers complain about**

- 🔒 Card blocked for no reason
- 💰 High fees
- 🕰️ No auto-pay option
- 🤯 Predatory lending practices
- 🔒 Account locked for no reason

**Reported bugs**

- Payment issues and missing payments
- Declined transactions due to new card

**Requested features**

- Auto-pay option
- Better fraud detection and dispute resolution


### SpendChart

[App page](https://appshunter.io/ios/app/spendchart/id6811725010)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendChart Plus | $1.99 | per month |


## Frequently asked questions

### Is Sparrow Card App free?

Sparrow Card App is free to download, with no in-app purchases.

### Is SpendChart free?

SpendChart is free to download, with in-app purchases available.

### Do Sparrow Card App or SpendChart have ads?

Neither Sparrow Card App nor SpendChart shows ads.

### Which is updated more often, Sparrow Card App or SpendChart?

Sparrow Card App ships an update every 3 weeks, and SpendChart every 10 days. Most recently, Sparrow Card App was updated on November 3, 2026 and SpendChart on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*