Best Charge Credit Apps

206+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated July 2026

With an average user rating of 4.8★, the charge credit category is one of the App Store's strongest. Browse all 206+ apps we track, sorted so the most loved ones surface first.

Compare top Charge Credit Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1ChargeStripe: Stripe PaymentsChargeStripe: Stripe PaymentsFree4.6★ (2.1K)NoNoJul 2026
2Lexington Law - Credit RepairLexington Law - Credit RepairFree4.8★ (109K)YesNoJul 2026
3Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (11K)YesNoJul 2026
4PlugShare: Charging StationsPlugShare: Charging StationsFree4.7★ (140K)YesYesJul 2026
5Grow CreditGrow CreditFree4.8★ (10K)YesNoJul 2026
6Shell: Fuel, Charge & MoreShell: Fuel, Charge & MoreFree4.8★ (87K)NoNoJul 2026
7Intuit Credit KarmaIntuit Credit KarmaFree4.8★ (7.7M)NoNoJul 2026
8Atlas - Rewards Credit CardAtlas - Rewards Credit CardFree4.7★ (247K)NoNoJul 2026

Top Picks for Charge Credit

ChargeStripe: Stripe Payments#1

ChargeStripe: Stripe Payments by SureSwift Worldwide Inc.

Mobile Credit Card Processing
Editor's Choice
💰 Finance
4.6😞(2.1K ratings)
Free
ChargeStripe: Stripe Payments screenshot 1
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ChargeStripe: Stripe Payments screenshot 4
ChargeStripe: Stripe Payments screenshot 5
ChargeStripe: Stripe Payments screenshot 6

Transform your iPhone into a powerful payment terminal. Accept credit and debit cards, mobile wallets, and recurring payments with ease. Securely process transactions in over 135 currencies with customizable business tools.

What We Love

  • 🚀 Simple and easy to use
  • 🚀 Quick and efficient
  • 👍 Great customer service
  • 👍 Works well for small businesses

Room to Improve

  • 🐛 Issues with card scanning and processing
  • 🕰️ Slow payouts and delayed access to funds
  • 💰 High fees and commission charges
Lexington Law - Credit Repair#2

Lexington Law - Credit Repair by Progrexion, IP

Credit Repair, Score & Reports
Strong Contender
💰 Finance
4.8😐(109K ratings)
FreeAds
Lexington Law - Credit Repair screenshot 1
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Lexington Law - Credit Repair screenshot 5

This app helps individuals improve their credit by challenging inaccurate negative items on their credit reports. It offers personalized credit repair, real-time updates on progress, and insights into credit scores. Users can monitor their credit 24/7 and receive alerts on profile changes.

What We Love

  • 🚀 Removed negative items
  • 🚀 Improved credit scores
  • 👍 Helpful and professional staff
  • 👍 Comprehensive credit repair services

Room to Improve

  • 🐛 Slow progress or no results
  • 💰 Expensive monthly fees
  • 🔒 Difficult to cancel or get refunds
Perpay - Shop and Build Credit#3

Perpay - Shop and Build Credit by Perpay, Inc.

Shop, pay later, build credit
Worth Considering
💰 Finance
4.9😐(11K ratings)
FreeAds
Perpay - Shop and Build Credit screenshot 1
Perpay - Shop and Build Credit screenshot 2
Perpay - Shop and Build Credit screenshot 3
Perpay - Shop and Build Credit screenshot 4
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Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

What We Love

  • 💳 Easy payment setup
  • 🚀 Fast delivery
  • 🔍 Wide product selection
  • 💳 Builds credit

Room to Improve

  • 💰 Overpriced items
  • 🕰️ Slow shipping and approval process
  • 🤖 Poor app performance and glitches

More Charge Credit apps to explore

4
PlugShare: Charging Stations
PlugShare: Charging Stations
PlugShare: Charging Stations
Charge Tesla, Polestar, BYD
Free

Discover and share EV charging stations worldwide. This app provides a comprehensive map with real-time reviews, photos, and filtering options for various plug types and charging speeds. Plan your electric vehicle trips and find compatible chargers easily.

EV charging station mapCommunity reviews and photosFilter by plug type and charging speed
🗺️ Navigation
(140K)
free with in-app purchases
5
Grow Credit
Grow Credit
Grow Credit
Pay Phone Bills & Build Credit
Free

Build credit history for free by using your existing subscriptions. This app helps you establish a credit score on all three major bureaus without requiring prior credit history. It offers various plans to suit your credit-building needs.

Build credit using subscriptionsNo prior credit history requiredReports to all three credit bureaus
💰 Finance
(10K)
free with in-app purchases
6
Shell: Fuel, Charge & More
Shell: Fuel, Charge & More
Shell: Fuel, Charge & More
Earn & save with Fuel Rewards®
Free

This app helps you save money on fuel and EV charging. Join a rewards program to earn discounts, pay securely from your phone, and find nearby stations. It also allows you to manage EV charging sessions.

Fuel Rewards savings programMobile payment for fuelEV charging station locator
🗺️ Navigation
(87K)
free with in-app purchases
7
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Save, Spend & Grow Your Credit
Free

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers
💰 Finance
(7.7M)
free with in-app purchases
8
Atlas - Rewards Credit Card
Atlas - Rewards Credit Card
Atlas - Rewards Credit Card
Earn cash back. Build credit.
Free

This app offers a rewards credit card designed for easy approval, even without credit history. It helps users build credit, save money with automatic discounts, and manage their finances securely with features like auto-pay and fraud protection.

High approval ratesBuild credit historyAutomatic savings up to 10%
💰 Finance
(247K)
free with in-app purchases
9
Seen Mobile - Build Credit
Seen Mobile - Build Credit
Seen Mobile - Build Credit
Spend, Track & Build Credit
Free

Manage your credit card account, track spending, and build your credit history. This app helps you establish or repair credit by reporting your payment activity to major credit bureaus. Take control of your finances with features like digital card access, autopay, and card locking.

Manage credit card accountTrack spending and transactionsBuild credit history
💰 Finance
(26K)
free
10
myFICO - Credit Score Tracking
myFICO - Credit Score Tracking
myFICO - Credit Score Tracking
Get & Track Your Credit Report
Free

Access and monitor your FICO Scores and credit reports from all three major bureaus. Understand how your credit history impacts your scores and explore potential changes with a simulator. Receive alerts for detected changes and access educational content to improve your credit.

View FICO ScoresCompare credit reportsMonitor credit changes
💰 Finance
(49K)
free with in-app purchases
11
WalletHub: Credit & Budgeting
WalletHub: Credit & Budgeting
WalletHub: Credit & Budgeting
Improve Credit, Budget & Save
Free

This app provides free daily credit scores and reports, along with budgeting tools and a personalized plan to improve your financial health. It helps you track spending, manage debt, and find better deals on financial products.

Free daily credit scores and reportsPersonalized credit improvement planBudgeting and spending tracker
💰 Finance
(10K)
free with in-app purchases
12
Capital One CreditWise
Capital One CreditWise
Capital One CreditWise
Your credit score, simplified
Free

Monitor your credit score and report for free. Get alerts for suspicious activity, understand factors affecting your score, and simulate financial decisions to see their potential impact. Tools are provided to help you manage and improve your credit health.

Free FICO® Score 8 accessTransUnion® credit report accessDark web alerts for identity theft
💰 Finance
(308K)
free
13
Credit.com
Credit.com
Credit.com
Credit Score and Grades
Free

Manage your credit with a redesigned interface. Check your credit score and report summary for free, track factors affecting your credit, and receive personalized insights to improve your financial future. Monitor score changes and get actionable steps for improvement, all while protecting your data.

Free credit score and report summaryTrack credit score changesPersonalized insights for financial improvement
💰 Finance
(7.2K)
free with in-app purchases
14
myEquifax
myEquifax
myEquifax
Start your credit journey
Free

Access your Equifax credit report and score updates monthly at no cost. Track your progress, set goals, and receive personalized AI-driven insights to improve your credit. Optional paid plans offer enhanced credit monitoring and identity protection.

Monthly Equifax credit report updatesFree credit score trackingAI-powered credit improvement plan
💰 Finance
(37K)
free with in-app purchases
15
Build Credit & Fix It: Dovly
Build Credit & Fix It: Dovly
Build Credit & Fix It: Dovly
Build credit & boost score
Free

This app uses AI-powered tools to help you build and improve your credit score. It can dispute inaccurate items on your credit report, provide personalized tips, and offer credit lock protection. Achieve your financial goals faster with a stronger credit profile.

AI-powered credit buildingDispute inaccurate credit itemsCredit score monitoring
💰 Finance
(65K)
free with in-app purchases
16
eBizCharge for credit card processing
eBizCharge for credit card processing
eBizCharge for credit card processing
by INTEGRA CAPITAL GROUP, INC.
Free
💼 Business
(0)
17
Petal Card
Petal Card
Petal Card
The Future of Credit
Free

This app helps users build credit and manage finances responsibly. It offers two credit card options, one for credit building and another with cash back rewards and no fees. Users can track their credit score, set budgets, and manage subscriptions.

Build credit historyCash back rewardsNo annual fee (Petal 2)
💰 Finance
(11K)
free with in-app purchases
18
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
AI Loan Asst > Credit & Loans
Free

Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding
💰 Finance
(258K)
subscription
19
IdentityIQ
IdentityIQ
IdentityIQ
ID theft & credit protection.
Free

This service offers top-rated identity theft protection and credit report monitoring. It utilizes innovative and enhanced monitoring techniques to help keep you protected and provide peace of mind.

Identity theft protectionCredit report monitoringEnhanced monitoring techniques
💰 Finance
(5.1K)
ad-supported
20
Charge Watch
Charge Watch
Charge Watch
by ALCOSE CREDIT UNION
Free
💰 Finance
(0)

FAQ about Charge Credit

What are the best charge credit apps for iPhone?
ChargeStripe: Stripe Payments tops our charge credit apps ranking as of July 2026, with a 4.6-star average from 2.1K App Store ratings, and it's free to download.
Yes — 20 of the top charge credit apps we rank are free to download, including ChargeStripe: Stripe Payments and Lexington Law - Credit Repair.
ChargeStripe: Stripe Payments has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 206+ charge credit apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
ChargeStripe turns your iPhone into a Stripe-powered card reader, allowing you to accept credit card payments anywhere. You can tap to pay, scan cards, or manually enter payment details to process transactions instantly without needing extra hardware.
You can accept all major credit and debit cards, Apple Pay, and Google Pay. The app also supports Tap to Pay on iPhone, allowing customers to pay by holding their card or device near your iPhone.