Best Karma Apps

250+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

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

Compare top Karma Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoSep 2026
2Intuit Credit KarmaIntuit Credit KarmaFree4.8★ (7.7M)NoNoSep 2026
3Karma: Earn & ShopKarma: Earn & ShopFree4.6★ (15K)NoNoSep 2026
4Karma: Save Food with a TapKarma: Save Food with a TapFree4.4★ (128)NoNoSep 2026
5VIP - KARMAVIP - KARMAFreeNoNoSep 2026
6Karma・International Dating AppKarma・International Dating AppFree4.5★ (1.4K)YesYesSep 2026
7Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoSep 2026
8Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoSep 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
#9in Finance
Klarna: Smarter everyday money screenshot 1
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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😐(7.7M ratings)
Free
#15in Finance
Intuit Credit Karma screenshot 1
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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
  • 🤓 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
Karma: Earn & Shop screenshot 1
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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 September 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 September 2026.
We track 250+ karma apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
This application allows users to shop anywhere with flexible payment options, including paying in interest-free installments or within 30 days. It also offers features like earning cashback, comparing prices across different stores, tracking deliveries, and managing returns.
Key features include flexible payment plans like paying in 4 interest-free installments or in 30 days. Users can also earn up to 10% cashback, compare product prices instantly across various retailers, track all their deliveries in real-time, and report returns to pause payments.

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