With you to the top

Guiding the overlooked and underserved on the path to financial freedom

Hate hidden fees?
So do we.

Some cards hit you with fees every chance they get. We do things differently. The cost of our card is simple and transparent.*

Credit limits that
grow with you.

Responsible account usage will automatically earn you a higher credit limit. Terms apply.†

Pay today, use today.

Get instant access to available credit with no fee debit card payments.

Real help, from real people.

Convenient support from friendly people, just a call or email away.

Earn money for making monthly payments.

Earn cashback rewards simply for making your monthly payment on-time.*

Climb to Prime^®

We'll teach you the rules of the credit-scoring game and give you a roadmap for getting to the top.‡

Manage your account, anytime, anywhere.

Use our best-in-class mobile app to track your spending, make payments, customize your card controls, and more.

Customer Reviews

“No hidden fees! Great for every day purchases. App works great. Great for rebuilding credit.”
“This is one of the best cards I have ever had. Payments apply instantly and credit is available right then, not later.”
“This is a great card for building or rebuilding credit. Easy to set up and use. You get a credit increase within 4-6 months of on-time payments.”
“…With a good payment history you'll get a surprise credit line increase. The app is very user friendly and I like the account notifications.”
“…Once you make a payment on your card, your balance uploads instantly. I love both of these features and will definitely recommend to a friend”
“Sparrow has been exceptional to work with, as well as, making updates to their app to make it more efficient for me to use…”
“I loved how quick and easy the application process was! And that you can use your card on the spot after being approved! This was a real life saver for me…”
“…I don’t say this lightly: Sparrow is the definition of excellent customer service. Beyond the tech, it’s the human side of Sparrow that stands out.”
“I feel like Sparrow is a credit partner not just a credit card. They give you a free credit report and score to help you build your credit profile!”
“Very happy with my Sparrow card. They seem very different from most card card providers in that they seem to genuinely care about the financial needs and goals of their customers.”

Highest rated
credit card app!

The highest average star rating achieved among the first 50 apps appearing in the Apple App Store search results for 'credit cards,' having at least 100 user ratings, as of Jan. 31, 2026.