Best Karma Apps

211+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated July 2026

From beginner-friendly picks to power-user tools, our karma list covers 211+ iPhone apps updated through July 2026. Compare ratings, prices, and screenshots in one place.

Compare top Karma Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.3M)YesNoJul 2026
2Karma: Earn & ShopKarma: Earn & ShopFree4.6★ (15K)NoNoJul 2026
3Intuit Credit KarmaIntuit Credit KarmaFree4.8★ (7.7M)NoNoJul 2026
4Karma: Save Food with a TapKarma: Save Food with a TapFree4.4★ (128)NoNoJul 2026
5VIP - KARMAVIP - KARMAFreeNoNoJun 2026
6Karma・International Dating AppKarma・International Dating AppFree4.5★ (1.1K)YesYesJul 2026
7Karma CastingKarma CastingFree4.9★ (561)NoNoJul 2026
8Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoJul 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😞(2.3M ratings)
FreeAds
#11in Finance
Klarna: Smarter everyday money screenshot 1
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Klarna: Smarter everyday money screenshot 3
Klarna: Smarter everyday money screenshot 4
Klarna: Smarter everyday money screenshot 5
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
Karma: Earn & Shop#2

Karma: Earn & Shop by Shoptagr LTD

Maximize your savings!
Strong Contender
🛍️ Shopping
4.6😐(15K ratings)
Free
Karma: Earn & Shop screenshot 1
Karma: Earn & Shop screenshot 2
Karma: Earn & Shop screenshot 3
Karma: Earn & Shop screenshot 4
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Karma: Earn & Shop screenshot 6

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
Intuit Credit Karma#3

Intuit Credit Karma by Credit Karma, Inc.

Save, Spend & Grow Your Credit
Worth Considering
💰 Finance
4.8😐(7.7M ratings)
Free
#19in Finance
Intuit Credit Karma screenshot 1
Intuit Credit Karma screenshot 2
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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

More Karma apps to explore

4
Karma: Save Food with a Tap
Karma: Save Food with a Tap
Karma: Save Food with a Tap
Book, Order & Save Near You
Free

Discover and purchase surplus food from local restaurants, grocery stores, bakeries, and cafes at a discounted price. Reduce food waste and enjoy delicious meals while contributing to a more sustainable planet.

Discounted food purchasesRescue surplus foodFight food waste
🍔 Food & Drink
(128)
free with in-app purchases
5
VIP - KARMA
VIP - KARMA
VIP - KARMA
by Vermont Information Processing
Free

This business tool streamlines CRM and sales tasks for the beverage industry. It allows users to complete assignments, record call logs, access reports, and capture images while in the field. Requires VIP Route Accounting Software or VIP Supplier Reporting Services.

CRM and sales toolTask completionCall log entry
💼 Business
(0)
free
6
Karma・International Dating App
Karma・International Dating App
Karma・International Dating App
Chat & Meet Singles Worldwide
Free

Connect with singles globally for marriage, friendship, or meaningful conversations. This app facilitates international dating by allowing you to chat with people across countries and cultures in a secure environment. Expand your dating horizons and build genuine relationships with compatible matches worldwide.

Meet singles worldwideChat across countries and culturesBuild meaningful connections
🌐 Social Networking
(1.1K)
free with in-app purchases
7
Karma Casting
Karma Casting
Karma Casting
Earn cash representing brands
Free

Find flexible work opportunities representing brands in North America. This platform connects individuals with various gigs, including product sampling and experiential marketing, offering electronic payments within 72 hours.

Browse and apply for tailored gigsManage your gig applicationsGet paid electronically within 72 hours
💼 Business
(561)
free
8
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
9
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands
🛍️ Shopping
(752K)
free with in-app purchases
10
Karma: Crypto, Card & Wallet
Karma: Crypto, Card & Wallet
Karma: Crypto, Card & Wallet
Crypto stablecoin creditcard
Free

Manage your cryptocurrency and spend it like traditional money with a Visa-enabled card. This app allows you to hold stablecoins, make purchases globally, and send/receive funds securely without complex crypto interfaces.

Spend crypto with Visa cardHold USDC stablecoinsSend and receive USDC
💰 Finance
(2)
free
11
KarmasoftApp
KarmasoftApp
KarmasoftApp
by Loop Enterprises LLC
Free

Easily book classes, manage your membership, and access on-demand yoga videos from your studio. Stay connected to your yoga community and track your practice history all in one place.

Book classes and workshopsManage membership and purchasesAccess on-demand yoga videos
💪 Health & Fitness
(8)
free
12
Experian®
Experian®
Experian®
Control Your Credit & Finances
Free

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.

Free credit report and FICO ScoreExperian Boost to raise FICO ScoreCredit monitoring and alerts
💰 Finance
(2.7M)
free with in-app purchases
13
Kikoff – Build Credit Quickly
Kikoff – Build Credit Quickly
Kikoff – Build Credit Quickly
Grow & Track Your Credit
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
(256K)
free with in-app purchases
14
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
(372K)
free with in-app purchases
15
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
16
MyKaarma
MyKaarma
MyKaarma
by Kaarya
Free

This app streamlines customer interactions for automotive dealerships. It facilitates communication with service customers via email, text, and voice calls, integrating with common Dealer Management Systems.

Streamline customer interactionsService appointment managementVehicle servicing tracking
💼 Business
(711)
free
17
KARMA SUBITO
KARMA SUBITO
KARMA SUBITO
Leading Private Members Club
Free

This app serves as a digital passport to a curated universe of exclusive member offerings. It allows users to easily book luxury destinations, discover hidden experiences, and manage their profile. Access member-exclusive deals and receive timely alerts for bookings and specials.

Exclusive member accessBook luxury destinationsDiscover curated experiences
✈️ Travel
(4)
free with in-app purchases
18
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Cash Advance, Credit Cards
Free

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards
💰 Finance
(449K)
subscription
19
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

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.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
💰 Finance
(11K)
free with in-app purchases
20
Too Good To Go: Save Good Food
Too Good To Go: Save Good Food
Too Good To Go: Save Good Food
Save tasty & eco-friendly food
Free

Discover and purchase surplus food from local businesses at discounted prices. Reduce waste, save money, and enjoy tasty meals while helping the planet. Explore nearby restaurants, cafes, and grocery stores for surprise bags of delicious food.

Discover nearby surplus foodPurchase surprise bagsSave money on meals
🍔 Food & Drink
(541K)
free with in-app purchases

FAQ about Karma

What are the best karma apps for iPhone?
Klarna: Smarter everyday money tops our karma apps ranking as of July 2026, with a 4.9-star average from 2.3M 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 Karma: Earn & Shop.
Klarna: Smarter everyday money shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 211+ karma apps on the iOS App Store as of July 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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