Evolve Bank & TrustSparrow CardRegistry illustration · issuer artwork unavailable

Sparrow CardEvolve Bank & Trust · SM bank, AR · FDIC 1299

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

29.49%

p.1variable

Balance transfer

—

Cash advance APR

31.49%

p.1variable

Annual fee

—

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	29.49% variableEvolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“29.49% This APR will vary with the market based on the U.S. Prime Rate.”Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	—	no source read
APR for cash advances	31.49% variableEvolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“31.49% This APR will vary with the market based on the Prime Rate.”Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Rate mechanics · Cash advance
Daily periodic rate	0.08630000%Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“0.0863%”Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Prime rate plus	24.24%Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Prime Rate plus a margin of 24.24%”Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Rate mechanics · Purchase
Daily periodic rate	0.08080000%Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“0.0808%”Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Prime rate plus	22.24%Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Prime Rate plus a margin of 22.24%”Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Sparrow_Credit_Card_Agreement_v_1_6_09_17_2025_Clean_page 1 of 14

There are two parts to this Credit Card Agreement (the 'Agreement'): Rates and Fees Table and Consumer Card Agreement . The Rates and Fees Table shows the rates and fees for your credit card. The Agreement contains important information related to your credit card issued by Evolve Bank & Trust ('Bank'). The Bank has agreed to lend you money as described in this Agreement, and you agree to pay us back together with interest charges and fees. Your use or activation of the Card and any transaction using the Card or Account indicates your acceptance of the terms of this Agreement. If any fee in the Rates and Fee Table is marked 'none,' the section of this Agreement that relates to that fee does not apply.

Rate and Fees Table

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 29.49% This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances · 31.49% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies · None. We do not charge a penalty APR. Paying Interest · Your due date is at least 23 days after the close of each billing cycle. We will not charge interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore

Fees Annual Fee · $59 for the first year. After that $99 annually ($8.25 per month). Transaction Fees ● Cash Advance Fee ● Foreign Transaction Fee · The greater of either $10 or 3% of the amount of each transaction. The greater of either $1 or 1% of any foreign transaction converted to U.S. Dollars Penalty Fees ● Late Payment ● Return Payment ● Over-the-credit-limit · Up to $40 Up to $40 $0

How We Will Calculate Balances: We use a method called 'average daily balance' (including new transactions). See the How Do You Calculate the Interest Charge? section for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this Agreement. See the Your Billing Rights section for full details.

1 2 3 4 5 6 7 8 9 10 11 12 13 14Pages 1 and 2 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Evolve Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“31.49% This APR will vary with the market based on the Prime Rate.”
Read exact source ↗
Evolve Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“31.49% This APR will vary with the market based on the Prime Rate.”
Read exact source ↗
Evolve Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“0.0863%”
Read exact source ↗
Evolve Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Prime Rate plus a margin of 24.24%”
Read exact source ↗
Evolve Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“29.49% This APR will vary with the market based on the U.S. Prime Rate.”
Read exact source ↗
Evolve Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“29.49% This APR will vary with the market based on the U.S. Prime Rate.”
Read exact source ↗
Evolve Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“0.0808%”
Read exact source ↗
Evolve Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Prime Rate plus a margin of 22.24%”
Read exact source ↗
Evolve Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Evolve Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 23 days after the close of each billing cycle. We will not charge interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Cash advance APR, Purchase APR

Offered through: Evolve Bank & Trust
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 1299
Branches: 10 in AR, TN
Sources: Official issuer · 1 document · 2 pages cited

Documents

Sparrow_Credit_Card_Agreement_v_1_6_09_17_2025_Clean_effective date not parsed

Sparrow CardEvolve Bank & Trust · SM bank, AR · FDIC 1299

Rates and fees