By AppHub Editorial Team · Updated August 3, 2026

Intuit Credit Karma

Intuit Credit Karma

4.7 ★
Downloads: 50,000,000+ Reviews: 3,150,000 Content Rating: Everyone
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
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Intuit Credit Karma screenshot 7
Intuit Credit Karma screenshot 8

Overview

Category

Finance

Developer

Credit Karma, LLC

Price

Free

Released On

Feb 28, 2013

Version

26.9

Requires Android

10

Contains Ads

No

Updated At

Feb 20, 2026

Features

CONNECT YOUR ACCOUNTS FOR FINANCIAL INSIGHTS

●Track your monthly spending
●Monitor transactions
●Look out for ATM fees, late payments and more

GET TO KNOW YOUR CREDIT

●Get alerts when credit scores change
●Learn what affects your scores and how to build credit

EXPLORE YOUR OFFERS

●Compare offers and apply with more confidence:†
●Loan amounts
●Rates you could be approved for

STAY INFORMED

Be alerted of changes and opportunities.

●Credit score changes
●Identity monitoring
●Rate monit...

CONNECT YOUR ACCOUNTS FOR FINANCIAL INSIGHTS

●Track your monthly spending
●Monitor transactions
●Look out for ATM fees, late payments and moreGET TO KNOW YOUR CREDIT
●Get alerts when credit scores change
●Learn what affects your scores and how to build creditEXPLORE YOUR OFFERS
●Compare offers and apply with more confidence:†
●Loan amounts
●Rates you could be approved forSTAY INFORMEDBe alerted of changes and opportunities.
●Credit score changes
●Identity monitoring
●Rate monitoring—we’ll let you know if we see better interest ratesBANK ONLINEOpen Credit Karma Money Spend and Save accounts
●
●• from the app. FIND COMPETITIVE CAR INSURANCE OPTIONS
●Compare options to see if you could save
●You may unlock a discount on a new policy if you’re a good driverDISCLOSURES
●Credit Builder plan requires you to open a line of credit and a Credit Builder savings account, both banking services provided by Cross River Bank, Member FDIC. Credit Builder savings account is a deposit product, insured up to $250,000. Credit Builder is serviced by Credit Karma Credit Builder. Members with a TransUnion credit score of 619 or below at time of application may be prompted to apply for Credit Builder.
●
●From June 2024 to Nov 2024, members with a TU credit score of 619 or below who opened a plan and had it reported on their TU report saw an average score increase of 17 points in 3 days of activation. Late payments and other factors can negatively impact your score.
●
●• Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Screens simulated. For display only. Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at https://www. creditkarma. com/about/loan-licenses | CA loans arranged pursuant to a CA Financing Law license. Insurance services offered through Karma Insurance Services, LLC. CA resident license #0172748Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID#1588622ELIGIBILITY AND ADDITIONAL DETAILS; PERSONAL LOAN INTEREST RATES AND FEES. You can see personal loan offers on the Credit Karma personal loan marketplace from third party advertisers from which Credit Karma receives compensation. The offers you see on this page have rates that range from 5.39% APR to 35.99% APR with terms from 1 to 10 years. Rates are subject to change without notice and are controlled by our third party advertisers, not Credit Karma. Depending on the particular lender, other fees may apply, such as origination fees or late payment fees. See the particular lender's terms and conditions for additional details. All loan offers on Credit Karma require your application and approval by the lender. You may not qualify for a personal loan at all or you may not qualify for the lowest rates or the highest offer amounts. PERSONAL LOAN REPAYMENT EXAMPLE. The following example assumes a $15,000 personal loan with a four year (48 month) term. For APRs ranging from 5.39% to 35.99%, monthly payments would range from $348 to $594. Assuming all of the 48 payments are made on-time, the total amount paid would range from $16,709 to $28,492.†Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the personal loan, or whether you meet certain criteria determined by the lender. Of course, there's no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don't meet the lender's "ability to pay standard" after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.

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Ratings breakdown

3,150,000 reviews
5★
84%
4★
10%
3★
3%
2★
1%
1★
3%

Developer contact

Name

Credit Karma, LLC

Address

1100 Broadway Ste 1800 Oakland, CA 94607 United States

Phone

+1 510-392-1599

Support

AppSupport@creditkarma.com

Privacy

View policy

Frequently Asked Questions

Is Credit Karma free to use?
high

Yes, Intuit Credit Karma is free to download and use. The app does not charge subscription fees or require in-app purchases.

Source: app_metadata

Does Credit Karma provide accurate credit scores?
medium

Credit Karma provides educational credit scores using TransUnion and Equifax data. However, some users report that scores shown in the app may not match the scores lenders use for major purchases like home or auto loans. The app's own disclosures note that lender scores may differ, and users should verify with lenders directly.

Source: user_reviews, app_metadata

Will Credit Karma sell my information or bombard me with loan offers?
low

Credit Karma shows personalized loan and insurance offers based on your profile. Some recent user reviews report receiving unsolicited calls and voice messages from loan providers after checking rates in the app. The app's privacy policy is available on their website for details on data usage.

Source: user_reviews

Can I check my credit score without a phone number?
low

Some recent users report that logging in requires a phone number after initial social security entry, which caused frustration. The app's account creation process may request a phone number for identity verification, but alternatives or workarounds are not documented in our sample.

Source: user_reviews

How to Use

Intuit Credit Karma is a free app that helps users track credit scores, monitor financial accounts, and compare loan and insurance offers. (app_description)

Getting Started

Source: app_description_and_user_feedback_noted

  1. Download and install Intuit Credit Karma from Google Play.
  2. Create an account by providing your personal information and Social Security number for identity verification (required).
  3. Connect your financial accounts (bank, credit cards, loans) to get spending insights and transaction monitoring.
  4. View your credit scores and reports from TransUnion and Equifax; check for alerts on score changes.
  5. Explore personalized offers for personal loans, credit cards, car insurance, and Credit Builder plans if you're looking to improve credit.

Key Features (from app listing)

Source: app_description

  • Track monthly spending and monitor transactions for fees and late payments.
  • Get alerts when credit scores change and learn what affects your scores.
  • Compare personalized loan amounts, rates, and approval odds from lenders.
  • Open Credit Karma Money Spend and Save accounts for online banking.
  • Compare car insurance options and potentially unlock discounts.
  • Use Credit Builder to build credit with a secured line and savings account.
  • Receive identity monitoring and rate monitoring alerts.
Pro Tip: If you receive unwanted calls after checking loan rates, opt out of marketing communications in the app's notification settings or contact Credit Karma support directly.

Based on a recent user complaint (Review #5) about being bombarded with calls from loan providers after rate checking; the tip suggests using app settings to manage communication preferences.

How this content was created

Content type: pattern_analysis_of_user_reviews_and_metadata

AI generated: Yes

Data sources:
  • Google Play user reviews (5 per app), January 16, 2025 to February 18, 2026
  • Google Play ratings distribution
  • App Store listing metadata
Limitations:
  • Review samples are not statistically representative of all user sentiment; only 5 recent reviews were analyzed.
  • All sampled reviews are negative (1-star), likely overstating issues relative to the app's 4.7 average rating.
  • Claims labeled 'low confidence' are based on single-review observations only.
  • No real-world app testing was conducted.
  • Feature availability may vary by region, device, and app version.

Pros & Cons

Based on analysis of Google Play user reviews

Pros

  • Provides early alerts when credit scores are about to change.

    Theme 'Score change alerts' identified in recent_review #4

    Evidence (1)
    “About the only thing It can do is give you a heads up when your score is about to change preemptively.”
    Rating: 1★ January 29, 2025 236 likes
  • Offers a variety of financial tools like spending tracking and identity monitoring.

    Theme 'Financial tools' identified in app description

    Evidence (1)
    “Track your monthly spending, Monitor transactions, Look out for ATM fees, late payments and more”
    Rating: 5★ February 18, 2026
  • Free credit score monitoring and alerts are available.

    Theme 'Free credit monitoring' identified in app description

    Evidence (1)
    “Get alerts when credit scores change, Learn what affects your scores and how to build credit”
    Rating: 5★ February 18, 2026

Cons

  • Credit scores are often outdated or fail to update for months.

    Theme 'Outdated credit scores' identified in recent_review #2

    Evidence (1)
    “Credit Karma has a lot of good aspects, but stopped updating my credit scores back in September.”
    Rating: 1★ January 16, 2025 342 likes
  • Credit scores shown are inaccurate, often 20-30 points higher than actual lender inquiries.

    Theme 'Inaccurate scores' identified in recent_review #4

    Evidence (1)
    “do not trust this app to give you an accurate score it's always 20-30 points higher here than an inquiry”
    Rating: 1★ January 29, 2025 236 likes
  • Checking loan rates leads to relentless spam calls and voice messages from lenders.

    Theme 'Spam calls after rate check' identified in recent_review #5

    Evidence (1)
    “after just simply trying to check the rate for a loan. you will be bombarded with calls and voice messages from many loan providers day and night!!”
    Rating: 1★ February 18, 2026 8 likes

Recent Reviews

Love_ 675

1★

Can't even log into the app. At first it would come up with an error when I put in my social and I couldn't get past it for days and now it just says something went wrong over and over whne I put in my phone number. Theres no reason for you to HAVE to have my phone number in the first place when you have PLENTY of other information and as ive seen online this is a re-occurring issue for others too. App is literally un-usable until yall fix it which i bet you never will.

February 18, 2026 10 likes

Brandy Wharton

1★

Credit Karma has a lot of good aspects, but stopped updating my credit scores back in September. I get a message every time I open the app that says my score can't be updated and I'm seeing old information. If you can't even get your updated score it's not very useful. Especially because all the offers they give you are based off the numbers shown on their app. Edit: the app has not updated for TransUnion since September, it is mid January. That is not a month behind. It is failing.

January 16, 2025 342 likes

Christopher Fox

1★

The advertisements for this application are intrusive. Every time you click the x to close the add it launches the application from the advisement. Terrible business practice! I just don't understand the logic behind these advertisements. If I click close the advertisement, then that is what I want to do. Why would it launch the app, how does that make me want to download your program? It has quite the opposite effect! I will be uninstalling this application due to the intrusive advertisements.

January 30, 2025 396 likes

Lily

1★

This app doesn't have anything that's accurate for anything usable. About the only thing It can do is give you a heads up when your score is about to change preemptively. If you're trying for a big purchase like a house or car maybe just getting a credit card, the numbers they pull here will not match. They pull different numbers than a car dealership or bank would. Thats why its inaccurate. do not trust this app to give you an accurate score it's always 20-30 points higher here than an inquiry

January 29, 2025 236 likes

Kyle Kwon

1★

after just simply trying to check the rate for a loan. you will be bombarded with calls and voice messages from many loan providers day and night!!, which is ridiculous! i told them not to call me anymore they still call to bother me!! after blocking their phone number, 13 voice messages in just a few days. they also call to many of their different phone number. Credit Karma is ridiculous. never give them your phone number! this is getting crazy after just trying check the rate almost a year ago

February 18, 2026 8 likes
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