Catch, made by Kikoff, is free: it matches you to class action settlements and pays gift-card rewards for games and surveys. Sparrow costs money and covers more, including unclaimed property and phone calls to lower bills and cancel subscriptions.
The short version: Catch is free, with no fees, no subscription and no credit card, so if settlements are all you want, try it first. It also has an Android app and a rewards side Sparrow does not have. Sparrow is worth paying for if you want claims filed for you plus unclaimed property search, bill negotiation calls, subscription cancellation and late delivery refunds in one place.
Catch facts checked against Catch's own pages on November 4, 2026.
| Feature | Sparrow | Catch |
|---|---|---|
| Class action settlement claims | Matches you to settlements and files the claims for you | Matches you to settlements; you submit in a few taps, often on the settlement’s own site, and Catch can pre-fill some forms |
| Games, surveys and offers for rewards | Not offered | Yes, redeemed as Amazon gift cards from $5 |
| Unclaimed property | Free search of all 50 states; you claim on the state’s own site, for free | Not listed among its features |
| Bill negotiation | AI phone call to your internet, phone or utility provider, included in membership | Not listed among its features |
| Subscription cancellation | AI phone call to the provider, which you start and approve | Not listed among its features |
| Late delivery refunds | Reads delay notices in your inbox and calls the retailer | Not listed among its features |
| Price | $3–$7 a month, billed annually, with a money-back guarantee | Free: no fees, no subscription |
| Bank connection | Plaid | Optional, through Plaid |
| Apps | iPhone and web | iPhone and Android |
Catch is a good product. Here is what it does better, and what Sparrow does that it does not.
Free. Catch says it has no fees, no subscription and no credit card required. Some third-party offers in its rewards section may cost money.
One membership at $3 to $7 a month, billed annually, priced by what your claims are worth. It covers class action claims, unclaimed money search, bill negotiation calls, subscription cancellation calls and late delivery refunds. If you do not earn more than you paid, Sparrow refunds the difference.
What Catch and Sparrow each do, and what they cost.
Yes. Catch says it has no fees, no subscription and no credit card required. Its App Store listing notes that some offers in the rewards section may cost money.
Kikoff Inc. Catch is listed under Kikoff on the App Store and its site carries Kikoff’s copyright.
Partly. Catch matches you to settlements and guides you through the claim, usually on the settlement’s own website. Its terms say it can pre-fill and submit claim forms as your agent once you review them. Sparrow files the claims for you.
If settlements are all you want, you may not need to. Sparrow costs $3 to $7 a month because it does more: it files claims for you, searches unclaimed property, calls providers to lower bills and cancel subscriptions, and claims late delivery refunds. If you do not earn more than you paid, Sparrow refunds the difference.
Not as an app. Sparrow runs on iPhone and on the web, which works in any phone browser. Catch has an Android app.
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Sparrow checks settlements, unclaimed money and your bills in a few minutes.