Best Credit Karma Apps & Games

249+ iOS apps & games curated and reviewed

4.8 avg rating
20 free apps & games
Updated August 2026

Intuit Credit Karma is the household name in credit karma, but it's far from the only option. We track 249+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Credit Karma Apps & Games (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Intuit Credit KarmaIntuit Credit KarmaFree4.8★ (7.7M)NoNoAug 2026
2Experian®Experian®Free4.8★ (2.7M)NoYesAug 2026
3myFICO - Credit Score TrackingmyFICO - Credit Score TrackingFree4.8★ (49K)YesNoAug 2026
4Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.3M)YesNoAug 2026
5Credit Sesame: Grow Your ScoreCredit Sesame: Grow Your ScoreFree4.8★ (436K)NoYesAug 2026
6Capital One CreditWiseCapital One CreditWiseFree4.8★ (308K)YesNoAug 2026
7Cash AppCash AppFree4.8★ (8.6M)NoNoAug 2026
8Kikoff – Build Credit QuicklyKikoff – Build Credit QuicklyFree4.9★ (261K)NoNoAug 2026

Top Picks for Credit Karma

Intuit Credit Karma#1

Intuit Credit Karma by Credit Karma, Inc.

Save, Spend & Grow Your Credit
Editor's Choice
💰 Finance
4.8😐(7.7M ratings)
Free
#18in Finance
Intuit Credit Karma screenshot 1
Intuit Credit Karma screenshot 2
Intuit Credit Karma screenshot 3
Intuit Credit Karma screenshot 4
Intuit Credit Karma screenshot 5
Intuit Credit Karma screenshot 6

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.

What We Love

  • 💥 Helpful credit monitoring
  • 📈 Improved credit scores
  • 🔍 Fraud detection
  • 🤑 Free credit reports

Room to Improve

  • 🚨 Inaccurate credit scores
  • 🤦‍♀️ Misleading credit card offers
  • 🔒 Security concerns
Experian®#2

Experian® by Experian

Control Your Credit & Finances
Strong Contender
💰 Finance
4.8😐(2.7M ratings)
FreeIn-App Purchases
#25in Finance
Experian® screenshot 1
Experian® screenshot 2
Experian® screenshot 3
Experian® screenshot 4
Experian® screenshot 5
Experian® screenshot 6

Access your credit report and FICO Score for free, and potentially improve your score by using bills you already pay. Get alerts for credit changes and compare financial products. A paid membership offers bill negotiation and subscription cancellation services.

What We Love

  • 🚀 Accurate credit score monitoring
  • 👍 Helpful credit improvement tips
  • 🔒 Secure credit report access
  • 💡 Useful Experian Boost feature

Room to Improve

  • 🐛 Inaccurate credit score reporting
  • 🔒 Poor customer service and support
  • 💰 Overpriced premium subscription
myFICO - Credit Score Tracking#3

myFICO - Credit Score Tracking by Fair Isaac Corporation

Get & Track Your Credit Report
Worth Considering
💰 Finance
4.8😐(49K ratings)
FreeAds
myFICO - Credit Score Tracking screenshot 1
myFICO - Credit Score Tracking screenshot 2
myFICO - Credit Score Tracking screenshot 3
myFICO - Credit Score Tracking screenshot 4
myFICO - Credit Score Tracking screenshot 5

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.

What We Love

  • 🚀 Keeps you updated on credit changes
  • 🔒 Provides accurate FICO scores
  • 👍 Helpful for home/car purchases
  • 💡 Useful credit monitoring and analysis tools

Room to Improve

  • 🐛 Inconsistent/inaccurate score reporting
  • 💰 Expensive subscription fees
  • 🔍 Lacks detailed credit information

More Credit Karma apps to explore

4
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
💰 Finance
(2.3M)
free with in-app purchases
5
Credit Sesame: Grow Your Score
Credit Sesame: Grow Your Score
Credit Sesame: Grow Your Score
Manage, Track & Build Credit
Free

This app helps you manage and improve your credit score and overall financial health. It provides tools to track your credit, understand its impact, and find personalized offers for financial products. It aims to empower users to make smarter financial decisions and achieve their credit goals.

Free credit score checksCredit report summariesFree credit alerts
💰 Finance
(436K)
freemium
6
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
7
Cash App
Cash App
Cash App
Money. Debit Card. Bitcoin.
Free

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin
💰 Finance
(8.6M)
free with in-app purchases
8
Kikoff – Build Credit Quickly
Kikoff – Build Credit Quickly
Kikoff – Build Credit Quickly
Equifax, Experian + TransUnion
Free

Build credit quickly and effectively with this app. It reports your on-time payments to major credit bureaus, helping to improve your credit score. Offers plans starting at $5 per month with no credit checks or interest.

Build credit quicklyReports to Equifax, Experian, TransUnionPlans starting at $5/month
💰 Finance
(261K)
free with in-app purchases
9
TransUnion®
TransUnion®
TransUnion®
Your scores, reports & offers
Free

Access your free credit scores and reports, monitor your credit for changes, and receive personalized offers based on your credit profile. Understand your credit health and plan for your financial future with daily refreshes and alerts.

Free credit scoresFree credit reportsFree credit monitoring
💰 Finance
(39K)
freemium
10
Self - Credit Builder & Cards
Self - Credit Builder & Cards
Self - Credit Builder & Cards
Build credit for a credit card
Free

Build your credit history and savings simultaneously with tools designed to improve your financial wellness. Access quick cash advances for unexpected expenses without a credit check. Report rent and utility payments to boost your score.

Build credit and savings togetherCash advances up to $100Secured Visa credit card with no credit check
💰 Finance
(322K)
free with in-app purchases
11
Capital One Mobile
Capital One Mobile
Capital One Mobile
Easy account access anywhere.
Free

Manage your finances on the go with comprehensive account access. View balances, pay bills, track transactions, and monitor your credit score. The app also offers card management, rewards redemption, and peer-to-peer payments.

View account balances and statementsPay bills and loansCheck credit score with CreditWise
💰 Finance
(11M)
free
12
Match Masters
Match Masters
Match Masters
PvP Matching Puzzle Battles
Free

Engage in a competitive turn-based match-3 puzzle game with live online multiplayer. Strategize your moves to outscore opponents, utilize powerful boosters, and compete in tournaments for rewards. Collect stickers and customize your style to become the ultimate Match Master.

Live online multiplayerTurn-based competitionStrategic boosters
🎮 Games
(189K)
free with in-app purchases
13
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
14
Chime® – Mobile Banking
Chime® – Mobile Banking
Chime® – Mobile Banking
The #1 Choice for Banking
Free

Manage your finances with tools for early payday access, fee-free overdraft protection, and credit building. This app offers a checking account with fee-free cash deposits and ATMs, plus automatic savings features and 24/7 support.

Early payday accessFee-free overdraft protectionCredit building tools
💰 Finance
(1.5M)
free with in-app purchases
15
Cresla AI
Cresla AI
Cresla AI
AI credit insights & disputes
Free

This AI-powered tool analyzes your credit reports from major bureaus, providing clear insights into factors affecting your score. It helps identify negative items, offers personalized recommendations, and generates dispute letter templates to help you manage your credit.

AI-powered credit report analysisIdentifies negative credit itemsPersonalized improvement recommendations
💰 Finance
(1)
free with in-app purchases
16
Build Credit & Fix It: Dovly
Build Credit & Fix It: Dovly
Build Credit & Fix It: Dovly
Fast AI Credit Score Boost
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
(73K)
free with in-app purchases
17
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
🛍️ Shopping
(1.7M)
free with in-app purchases
18
Credit Score Check
Credit Score Check
Credit Score Check
Track Your Credit Wise Report
Free

Analyze and manage your credit history by tracking accounts across major bureaus. Get financial insights, educational content, and personalized recommendations to improve your credit score. Receive timely notifications for any credit status updates.

Credit history analysisTrack major credit bureausFinancial dashboard
💰 Finance
(198)
free with in-app purchases
19
Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Subscription & Expense Manager
Free

This personal finance app helps you manage your money by tracking expenses, creating budgets, and automating savings. It also finds and cancels forgotten subscriptions and negotiates lower rates on your existing bills.

Cancel forgotten subscriptionsNegotiate lower billsTrack monthly expenses
💰 Finance
(377K)
free with in-app purchases
20
Sail Loans
Sail Loans
Sail Loans
by Americash Loans LLC
Free

Apply for loans up to $4,000 with funds deposited directly into your bank account. Manage your repayment options, make payments, and access referral codes to earn extra cash. Offers installment, full, or early/partial payment options.

Loan application up to $4,000Same-day fund depositCustomer profile editing
💰 Finance
(3)
free

FAQ about Credit Karma

What are the best credit karma apps & games for iPhone?
Intuit Credit Karma tops our credit karma apps & games ranking as of August 2026, with a 4.8-star average from 7.7M App Store ratings, and it's free to download.
Yes — 20 of the top credit karma apps & games we rank are free to download, including Intuit Credit Karma and Experian®.
Intuit Credit Karma has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 249+ credit karma apps & games on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Credit Karma helps you navigate your financial path by providing insights into your spending, monitoring your credit scores, and offering personalized loan and insurance offers. It also simplifies tax filing and provides access to online banking services.
Key features include connecting bank accounts for spending analysis, receiving alerts for credit score changes, comparing loan and insurance offers, and uploading W-2s to simplify tax filing. Premium subscribers gain access to identity protection and bill negotiation services.

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