New-user offer · your first card is free

Pick up your
exclusive
card

We are a professional credit card production company. Now there is a preferential activity for new users. You can get your exclusive credit card for free if you input your mobile phone number.

  • Free for new users
  • Ready in a minute
  • Secure & private

1233211334567777

Card HolderGuzion Z. Xin
Expires11/15
SPARK

1233211334567777

Card HolderGuzion Z. Xin
Expires11/15
SPARK

1233211334567777

Card HolderGuzion Z. Xin
Expires11/15
SPARK

0%

APR for 12 months

$0

Annual fee, forever

5%

Cash back everyday

See it in the app

Everything you need, a few taps away

Here is how the CardSpark app works — real screens from the app you'll use.

Screen asking you to approve the payment on your phone
Top up screen with MTN Mobile Money selected and 10 000 FCFA entered
The Travel card frozen in the Cards tab
Your cards screen with three cards: Shopping, Travel and Netflix

Your cards

Your cards, your rules

Everything about your cards is in the Cards tab of the app — no calls, no branch visits.

  • As many cards as you need

    One for shopping, one for travel, one for subscriptions — each with its own plan, name and design.

  • Freeze it in one tap

    Lost a card or not using it? Freeze just that card and its payments are blocked until you unfreeze it.

  • Pay monthly, yearly or once

    Pick a plan per card. Stop renewing whenever you like — the card works until the end of what you paid for.

Card plans

One card or several — you choose how to pay

Every card has its own plan, paid from your CardSpark balance.

Our trusted partners

  • EcobankBank
  • NFC BankBank
  • MTN Mobile MoneyMobile money
  • Orange MoneyMobile money
  • CampayPayments

How it works

From sign-up to card in four steps

Everything happens on your phone. Most people are set up the same day.

  1. 01

    Create your account

    Sign up with your mobile number. We text you a code — no password to remember.

  2. 02

    Verify your identity

    Send a photo of your ID and a quick selfie. Our team reviews it, usually within a day.

  3. 03

    Add a top-up method

    Link MTN MoMo, Orange Money or a bank account in your own name.

  4. 04

    Top up and order your cards

    Add money to your balance, then pick a monthly, yearly or one-time plan for each card you want.

Top up your way

Add money the way you already pay

Link a method once, then top up in a few taps. Every method must be in your own name.

Cameroon

MTN Mobile Money

Enter the amount, then approve the payment on your phone with your MoMo PIN.

  • Your own MTN number, or one you confirm with a code
  • Balance updated as soon as you approve
Cameroon

Orange Money

Enter the amount, then confirm the request on your phone with your Orange Money PIN.

  • Your own Orange number, or one you confirm with a code
  • Balance updated as soon as you approve
All 6 CEMAC countries

Bank transfer

Link a bank account in your name, then send a transfer with the reference we give you.

  • Any bank in the CEMAC zone (RIB checked automatically)
  • Credited once our team matches your transfer

Card benefits

Built for the way you pay

A card account that is simple to open, safe to use and works across Central Africa.

Verified and secure

Every account is identity-checked, and sign-in always needs a code sent to your phone.

Fast mobile top-ups

Top up from MTN MoMo or Orange Money and approve it right on your phone.

Made for CEMAC

Cameroon, Gabon, Congo, Chad, the Central African Republic and Equatorial Guinea.

Your data protected

ID photos and bank details are stored encrypted and only seen by our review team.

See every franc

Your balance and every top-up, with its status, in the app and your online account.

Help when you need it

Ask our assistant any time, or write to our team from the contact page.

Mobile app

Your card, in your pocket

Manage your CardSpark card from anywhere. Check your balance, follow every payment and collect your cash back, all from one app.

  • Freeze or unfreeze your card in one tap
  • Instant notifications for every payment
  • Track your cash back in real time
Download on theApp Store
Get it onGoogle Play