NerdWallet vs Intuit Credit Karma
NerdWallet is better for users seeking a comprehensive financial overview and budgeting tools, despite recent complaints about feature changes, while Credit Karma excels at credit monitoring but is plagued by issues with accuracy, excessive notifications, and poor customer support.
NerdWallet is a strong contender for managing overall finances, including budgeting and net worth tracking, though recent updates have caused some user frustration. Credit Karma focuses primarily on credit monitoring and offers tools for improvement, but its accuracy and user experience are frequently criticized.
Head to head
You are looking for a free app to track your overall net worth and manage various financial accounts, and you are willing to overlook some recent UI changes and occasional bugs R11.
Your primary goal is to monitor your credit score and get general advice on improving it, and you are prepared to tolerate frequent advertisements and potential inaccuracies in reporting .
Evidence note: NerdWallet has a significantly smaller number of reviews compared to Credit Karma, which may skew the perception of common issues. Credit Karma's reviews often highlight more severe problems related to data accuracy and customer service.
Frequently asked
Is NerdWallet good for budgeting?
How accurate is Credit Karma's credit score?
Do these apps sell my data?
What reviewers actually said
Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.
- [R1] NerdWallet Terrible update: Removed the only reason I downloaded this app. For a budgeting option. And then put in some garbage news stories and investment tab nobody asked for. Edit: nice they added it back, too bad I moved on to rocket money
- [R3] NerdWallet Not consumer-focused anymore: I loved this app and the website when I found it in 2020. It shows me my net worth, my credit score, etc. In the past year or so they have made a lot of changes that all seem to be based on making them a profit rather than serving their customers. Most things I look for on the website are now only on the app. I used their shopping features to find the most beneficial
- [R7] NerdWallet New budget layout is bad: I hate the new budget layout - so much so that I am going to look for another app or go back to manual tracking. I need to be able to zoom out across multiple months and years and see how my earning and spending trends across multiple periods with different granularity. Now I can only see spend for each month or YTD and it completely removed the income view.
- [R11] NerdWallet It organized my finances: I was looking for something that could help me organize all my finances in one place and found this through social media
- [R4] NerdWallet Introduced way too many bugs: Every time I take an action for 5 mins in the app, I get the little frog saying that something went wrong. The bugs are increasing. It’s becoming painful to use this app.
- [R6] NerdWallet OS 26: I have been using this app for quite a few years, but, as others have said, the recent updates/changes have a made the app a little buggy, there still aren’t any widgets, and it still isn’t formatted properly for iPadOS 26. I really hope bug fixes and proper software compatibility are coming very soon… especially since we’re literally coming upon the OS ‘27 announcements in less than tw
- [R16] NerdWallet Not dependable, lost data: After I didn’t use an app for a while I found that all my accounts , properties, cars and etc were erased . It is time consuming to restore all this information.
- [R10] NerdWallet Advertising platform you connect your bank accounts to: My title says it all, it’s non stop adds. ATOMIC BANK IS AWFUL - stop trying to get me to open an account. Also, the UI on this app used to be a lot better to see more details about your finances. Now you get the most basic views, no budgeting, no nothing and it tries to sell you stuff the whole time. SKIP
- [R19] NerdWallet Predatory, spammy financial app: I’m giving 2 stars because you can actually get a loan through this app, it just will be at an extremely predatory rate. They will also start sending you 3-5 marketing emails a day, and in my case have so far ignored my unsubscribe requests. I suspect they also sold my email address to other spammy, predatory financial services because I started receiving a bunch s
- [R20] NerdWallet “Ad free”: Basically since I started using it now it’s become a loan tracker. With ads and ads for loans, credit cards, and insurance. Tells me very little about my actual finances anymore.
- [R34] NerdWallet Sold my info to scammers: I have loved using NerdWallet for the last few years as their articles have been very informative and the recommendations for savings accounts and credit cards have been helpful. Unfortunately I recently used the app (and only this app) to look into a debt consolidation loan. After going through the usual recommendation process my phone has been spammed with multiple call
- [R48] NerdWallet Deceptive Account Subscriptions: I downloaded this app, found the income classification not what I needed. I attempted to delete and they then inform me that they’ve signed me up for an atomic account which I didn’t authorize. It might have been a bug, but it stopped me from removing my nerdwallet account - if it isn’t a bug, that potentially borders something quite illegal. I’d avoid this app,
- [R52] NerdWallet Major trouble, resetting your password: Smart money app I received an email from NerdWallet saying that my score has gone up. It went to visit the app. And I realized I had to update my password. I tried that several times. Each time I would get instructions to go to my email. But they never got there what is going on?
- [R56] NerdWallet Overly complicated account closure process: Can’t simply close account in app- have to do through a stupid automated chat bot which requires a confirmation nonsense and then your email. If I’m trying to close my account let me close my account instead of acting like a godawful scummy gym
- [R60] NerdWallet Can’t delete account or remove account information once created & entered: I don’t typically ever write reviews. This app isn’t good in any way shape of form. It gives you a basis that’s really it. I’m not entirely sure how they’re generating reviews or how they’re able to pass app guidelines. You’re unable to delete your account unless you maybe get assistance from a human. It states 24 hours but
- [R12] NerdWallet Bring back 50/30/20: I’ve used several competitors before but what kept me with NW was the 50/30/20 rule and their simple UI - everything I needed in one neat spot. The 50/30/20 budgeting feature single-handedly kept me as a customer. I saw GREAT improvements using this. I’ve given these new versions some time but nothing compares to the old Nerd Wallet. Very disappointed and looking for alternati
- [R18] NerdWallet Less useful: It’s never had a lot of functionality in terms of budgeting but it’s become even less useful over time. Like they actively took out the more granular budgeting features and replaced with over broad charts not good for much. mostly good for passively tracking your accounts for issues. Looking for a new way to handle my budgeting
- [R66] Intuit Credit Karma Credit numbers are false.: They give u 2 credit agency’s numbers that are false. Don’t believe what u see.
- [R72] Intuit Credit Karma Good Education Tool: I’ve used CK for years it’s a good tool if you have no clue how to manage your credit. I think it’s incredibly misleading though and should have a pathway or “real score” option to check scores that actually have an impact on your life.
- [R75] Intuit Credit Karma Incorrect information: You really need to look in to a person‘s credit before you start posting a credit score. You’re very slow on gathering information. I have stuff on my credit report that should no longer be on my credit report after eight years of being there.
- [R76] Intuit Credit Karma Not Accurate: This information is never accurate and takes far too long to update. Moreover, finance persons refuse to accept CK information as valid.
- [R111] Intuit Credit Karma Scam 100%: Most of the scamers use this platform to check your credit and lower your credit. Total scam. I immediately deleted the app after realizing the scam. The savings group, Inc contacted me through Credit Karma and scammed me de me. My credit score went down 20 points.
- [R113] Intuit Credit Karma Data leak: Used a fingerprint leak to test the company. Either they or a third party company they work with leaked/sold the information.
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store