Best Karma Apps

250+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated October 2026

From beginner-friendly picks to power-user tools, our karma list covers 250+ iPhone apps updated through October 2026. Compare ratings, prices, and screenshots in one place.

Compare top Karma Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoOct 2026
2Intuit Credit KarmaIntuit Credit KarmaFree4.8★ (7.8M)NoNoOct 2026
3Karma: Earn & ShopKarma: Earn & ShopFree4.6★ (15K)NoNoOct 2026
4VIP - KARMAVIP - KARMAFree—NoNoSep 2026
5Karma: Save Food with a TapKarma: Save Food with a TapFree4.4★ (128)NoNoOct 2026
6Karma・International Dating AppKarma・International Dating AppFree4.5★ (1.4K)YesYesOct 2026
7Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.8M)NoNoOct 2026
8Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoOct 2026

Top Picks for Karma

Klarna: Smarter everyday money#1

Klarna: Smarter everyday money by Klarna Bank AB

Cashback, payments, savings
Editor's Choice
💰 Finance
4.9😞(2.4M ratings)
FreeAds
#11in Finance
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Klarna: Smarter everyday money screenshot 6

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.

What We Love

  • 💳 Easy payment process
  • 📦 Wide range of stores
  • 🕰️ Flexible payment plans
  • 🔍 Convenient for large purchases

Room to Improve

  • 🚫 Inconsistent approval process
  • ⚠️ Lack of Apple Wallet integration
  • 🤖 Automated decision-making issues
  • 🕰️ Slow/delayed refund processing
  • 🤯 Poor customer service
Intuit Credit Karma#2

Intuit Credit Karma by Credit Karma, Inc.

Save, Spend & Grow Your Credit
Strong Contender
💰 Finance
4.8😐(7.8M ratings)
Free
#16in Finance
Intuit Credit Karma screenshot 1
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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
  • 🤓 Informative credit education
  • 🕰️ Timely credit updates
  • 🙌 Positive user experience

Room to Improve

  • 🚨 Inaccurate credit scores
  • 🤦‍♀️ Misleading credit card offers
  • 🔒 Security concerns
  • 🤯 Confusing credit reporting
  • 🤬 Poor customer service
  • 🐢 Slow credit updates
  • 💰 Aggressive promotion of paid services
Karma: Earn & Shop#3

Karma: Earn & Shop by Shoptagr LTD

Turn rewards into buying power
Worth Considering
🛍️ Shopping
4.6😐(15K ratings)
Free
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This app lets you earn cash by playing games, which you can then spend on purchases. It also helps you save money with smart alerts, automatic coupons, and an AI shopping assistant to find deals and compare products.

What We Love

  • 🚀 Helpful for getting good deals
  • 📋 Useful for organizing wish lists
  • 💳 Automatically applies coupons
  • 🔔 Notifies on price drops and restocks

Room to Improve

  • 🐛 Glitchy and unreliable
  • 🕰️ Delayed or inaccurate notifications
  • 🤔 Irrelevant sale notifications
  • 🛒 Issues saving specific details like size/color

More Karma apps to explore

FAQ about Karma

What are the best karma apps for iPhone?
Klarna: Smarter everyday money tops our karma apps ranking as of October 2026, with a 4.9-star average from 2.4M App Store ratings, and it's free to download.
Yes — 20 of the top karma apps we rank are free to download, including Klarna: Smarter everyday money and Intuit Credit Karma.
Klarna: Smarter everyday money shows ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 250+ karma apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.

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