Sparrow Financial, Inc. is a financial technology company focused on helping people who are overlooked or underserved build or rebuild their credit. Its Sparrow credit card is designed around transparent pricing, with no hidden fees, and provides access to available credit after approval. Cardholders can make debit card payments without a fee and, according to the company, access available credit instantly after a payment is applied. Customers who make monthly payments on time can earn cashback rewards, subject to program terms. Responsible account use may also lead to automatic credit line increases when eligibility requirements are met.

The Sparrow mobile app lets customers track spending, make payments, manage card controls, and receive account notifications. Sparrow also offers educational credit-score information and guidance intended to help users understand credit scoring and work toward improving their credit profiles. Support is available by phone or email. Sparrow is not a bank; its cards are issued by partner banks and are subject to credit approval and applicable account terms.