Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

NerdWallet vs Intuit Credit Karma

NerdWallet 4.8★ · Free to download 75
Winner NerdWallet
Intuit Credit Karma 4.8★ · Free + IAP 55

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

Features & Functionality edge: NerdWalletR1R3R7R11
NerdWallet NerdWallet users appreciate its ability to organize finances in one place, track net worth, and provide budgeting features, though some recent updates have removed or altered beloved features like the 50/30/20 rule and detailed spending comparisons R1R3R7R11. Users also note issues with linking certain account types like HSAs .
Intuit Credit Karma Credit Karma is valued for its credit score monitoring, credit report reviews, and guidance on improving credit . However, users frequently complain about the inaccuracy of credit scores and reports, slow updates, and the inability to correct misclassified charges R66R72R75.
Ease of Use & Reliability tieR4R6R11R16
NerdWallet NerdWallet users generally find the app easy to use and helpful for organizing finances R11. However, recent updates have introduced bugs, made the app slow, caused crashes, and led to issues with account connectivity R4R6. Some users also report data loss R16.
Intuit Credit Karma Credit Karma is described as easy to use for tracking financial progress . Despite this, many users report significant issues with logging in, password resets, and general app functionality . There are also complaints about the app being slow to update information R76.
Advertising & Monetization edge: Intuit Credit KarmaR10R19R20R34
NerdWallet NerdWallet users frequently complain about excessive advertising, particularly for loans, credit cards, and insurance, which they feel detracts from the app's core financial tracking purpose R10R19R20. Some users also report being spammed with emails or calls after using the app for loan inquiries R19R34.
Intuit Credit Karma Credit Karma users are highly critical of the app's overwhelming number of notifications and advertisements, which they describe as misleading and constant pushes to take out more credit or loans .
Customer Support & Account Management edge: NerdWalletR48R52R56R60
NerdWallet NerdWallet users report difficulties with account closure, requiring interaction with automated chatbots and confirmation emails R56R60. Some users also mention issues with password resets not delivering emails R52 and unauthorized account creation R48.
Intuit Credit Karma Credit Karma users express significant frustration with the lack of accessible and effective customer support, with many reporting an inability to reach real support for login issues, account disputes, or technical problems . There are also serious allegations of fraud, account closure without consent, and mishandling of disputes .
Pick NerdWallet if

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.

Pick Intuit Credit Karma if

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?
NerdWallet has historically offered budgeting features, including a 50/30/20 rule, which users found very helpful for tracking spending and income R1R12R18. However, recent updates have removed or altered some of these granular budgeting features, leading to user dissatisfaction R1R7R18.
How accurate is Credit Karma's credit score?
Credit Karma's credit scores are frequently reported by users as inaccurate or misleading, with many stating that the scores provided do not reflect their actual FICO scores or are slow to update with payment information and new accounts R66R72R75R76.
Do these apps sell my data?
Some users of both apps express concerns about their data. NerdWallet users report being spammed with calls and emails after using the app for loan inquiries, suspecting their information was sold R19R34. Credit Karma users have made allegations of data leaks and their information being sold to scammers R111R113.

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.

  1. [R1] NerdWallet 1/5 · US 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
  2. [R3] NerdWallet 3/5 · US 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
  3. [R7] NerdWallet 2/5 · US 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.
  4. [R11] NerdWallet 5/5 · US 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
  5. [R4] NerdWallet 2/5 · US 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.
  6. [R6] NerdWallet 3/5 · US 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
  7. [R16] NerdWallet 1/5 · US 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.
  8. [R10] NerdWallet 1/5 · US 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
  9. [R19] NerdWallet 2/5 · US 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
  10. [R20] NerdWallet 5/5 · US “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.
  11. [R34] NerdWallet 1/5 · US 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
  12. [R48] NerdWallet 1/5 · US 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,
  13. [R52] NerdWallet 2/5 · US 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?
  14. [R56] NerdWallet 1/5 · US 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
  15. [R60] NerdWallet 1/5 · US 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
  16. [R12] NerdWallet 3/5 · US 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
  17. [R18] NerdWallet 3/5 · US 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
  18. [R66] Intuit Credit Karma 3/5 · US Credit numbers are false.: They give u 2 credit agency’s numbers that are false. Don’t believe what u see.
  19. [R72] Intuit Credit Karma 3/5 · US 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.
  20. [R75] Intuit Credit Karma 3/5 · US 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.
  21. [R76] Intuit Credit Karma 1/5 · US Not Accurate: This information is never accurate and takes far too long to update. Moreover, finance persons refuse to accept CK information as valid.
  22. [R111] Intuit Credit Karma 1/5 · US 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.
  23. [R113] Intuit Credit Karma 1/5 · US 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