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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Credit Sesame vs Intuit Credit Karma

Credit Sesame 4.8★ · Free to download 60
Winner Intuit Credit Karma
Intuit Credit Karma 4.8★ · Free + IAP 75

Intuit Credit Karma has an edge over Credit Sesame due to its more reliable performance and better user experience, despite both apps facing criticism regarding score accuracy and customer service.

Full reviews: Credit Sesame · Intuit Credit Karma

Credit Karma generally offers a more consistent experience for credit monitoring, with users appreciating its ease of use and regular updates. Credit Sesame, while offering similar features, is plagued by frequent app crashes, login issues, and aggressive upselling tactics that frustrate users.

Head to head

Features and Information tieR5R6R15R17
Credit Sesame Credit Sesame provides a rundown of credit report details and offers tips for improving scores, including a card reporting calendar for subscribers R15R17R5. However, some users note that the free version is limited, requiring payment for features like dispute filing or full credit reports R6R31R59.
Intuit Credit Karma Credit Karma offers credit monitoring, updates, and advice for improving credit health . Users appreciate its ability to track spending and budgets, though some find the 'CK intelligence' feature intrusive . There are also complaints about slow updates for paid-off accounts .
Ease of Use and Reliability edge: Intuit Credit KarmaR7R11R13R14
Credit Sesame Many Credit Sesame users report significant issues with app functionality, including frequent crashes, inability to sign in, and problems with updates R7R11R13. The pin keypad often doesn't work, and some find the interface difficult to navigate R14.
Intuit Credit Karma Credit Karma is generally praised for being easy to use and simple to understand . However, some users experience app crashes after updates and login issues . Notifications are sometimes criticized for being too frequent, late, or misleading .
Accuracy of Credit Score tieR1R16R18R64
Credit Sesame Credit Sesame users frequently report discrepancies in their credit scores, with some stating their score was significantly lower than what banks or other services showed R1R16. Others mention the app only provides a grade instead of a specific score R18.
Intuit Credit Karma Credit Karma users also report issues with score accuracy, noting large drops or spikes that don't seem to reflect their financial activity R64R73. Many find the score displayed to be inaccurate, sometimes off by as much as 100 points compared to other sources R88R106.
Price and Value edge: Intuit Credit KarmaR8R9R10R19
Credit Sesame Credit Sesame is free to download, but many users feel the 'free trial' is misleading, requiring payment to access advertised features or full reports R9R31R59. There are numerous complaints about being charged without consent or after cancellation, and difficulty getting refunds R10R19. The paid subscription is considered not worth the cost by some R8.
Intuit Credit Karma Credit Karma is free with in-app purchases, and many users appreciate its free credit monitoring . However, the app is criticized for constant advertising of credit cards and loans, some with high APRs, and for spamming users with notifications and calls after exploring loan options .
Customer Support tieR1R21R55R66
Credit Sesame Credit Sesame users report extreme difficulty contacting customer support for issues like password resets, score discrepancies, or refund requests R1R21R55. Some claim no one follows up or calls back R1.
Intuit Credit Karma Credit Karma users also express frustration with customer service, citing rude chat experts, lack of urgency, and difficulty resolving account errors R66. Some mention no way to contact support within the app for certain issues .
Pick Credit Sesame if

You are looking for a free app to get basic credit information and are willing to tolerate potential app instability and aggressive upselling for paid features .

Pick Intuit Credit Karma if

You want a generally reliable and easy-to-use free credit monitoring service that provides regular updates and advice, and you don't mind frequent advertisements for financial products .

Evidence note: Both apps are free to download, with Credit Karma offering IAPs and Credit Sesame having a subscription model. Much of the negativity for Credit Sesame stems from friction with its paid tiers and free trial limitations, whereas Credit Karma's issues are more related to data accuracy and notification spam.

Frequently asked

Is Credit Sesame's free trial truly free?
No, many Credit Sesame users report that the 'free trial' is misleading, as it often requires immediate payment to access advertised features or full credit reports, making it not a true trial R9R31R59.
Are the credit scores accurate on Credit Karma?
Credit Karma's credit scores are frequently reported by users to be inaccurate, sometimes differing by as much as 100 points from other sources or showing illogical drops and spikes R64R73R88R106.
Do these apps have good customer support?
Both Credit Sesame and Credit Karma receive significant criticism for their customer support, with users reporting difficulty contacting them, unhelpful responses, and unresolved issues R1R21R55R66.

What reviewers actually said

Built only from these 110 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. [R5] Credit Sesame 4/5 · US Filter: I’ve been using Credit Sesame with a subscription for several years now and my favorite feature is the card reporting calendar. I always pay my balances in full as soon as they’ve posted so having the reporting calendar allows me to stay ahead of the Due Date, the date that banks/issuers report card balances and card utilization rates to the credit bureaus. One important feature I’d like
  2. [R6] Credit Sesame 3/5 · US Luv6500: I have had this app for a long time , I did not know you can’t file a dispute unless I upgrade to pay for this option on the app , I have Experian and kredit Carma they let me file a dispute an was not charge do not have to pay for this option , which I believe is very unfair! It makes me want to uninstall this app !
  3. [R15] Credit Sesame 3/5 · US Great App: Love this app easy way to stay on track with credit score credit inquiries etc notify you of any use of credit usage as well . EJG
  4. [R17] Credit Sesame 5/5 · US Get it!: This app is so easy to use and so convenient! I got my results in less than 30 seconds. Also gives you options to better your score!!
  5. [R7] Credit Sesame 2/5 · US Unable to sign in: App doesn’t allow me to sign in the majority of the time I try to access it
  6. [R11] Credit Sesame 5/5 · US Terrible App: This app never works and always locks you out even when using the correct credentials. It won’t recognize when you use your correct email and phone number. Consumers Beware!!!
  7. [R13] Credit Sesame 2/5 · US Was great until update: Then stopped working! Gah!!!
  8. [R14] Credit Sesame 4/5 · US Update: The app says I need to update can’t find where to do that anywhere.
  9. [R1] Credit Sesame 2/5 · US Credit score change: I have tried several times to correct this credit score discrepancy. No one follows up or calls back or texts. This score went from 812 to 680 and is not changing. Can’t someone find the time to contact me???
  10. [R16] Credit Sesame 2/5 · US Not accurate!: While this app does offer a great rundown of everything on your credit report and their balances, it does NOT provide an accurate score. In fact - my score on Credit Sesame was 92 pounds LOWER than what my bank pulled and the Experian app showed! It’s not a great tool for tracking scores so don’t depend on this app to get your most accurate credit rating.
  11. [R18] Credit Sesame 3/5 · US 5/10: It doesn't show my scores at all; it only gives me a grade, and I don't really like that.
  12. [R64] Intuit Credit Karma 1/5 · US Outrageous drops/spikes: At least 2-3 times a year, it shows a huge drop (over 100 points) by 1 of the credit reporting agencies after 4-6 credit cards show a decrease in the balance at the same time. It doesn’t just bounce back as if it was a mistake.
  13. [R8] Credit Sesame 5/5 · US Not worth 25$ a month: It’s ok
  14. [R9] Credit Sesame 3/5 · US Free Trial isn’t a free trial at all: I like the free limited app, and would have considered purchasing the full service app after checking out the 7 day free trial, except you’re unable to actually try any of the features bc soon as you attempt to use them, you get a prompt to end your free trial and pay for the full app before you can use any of the features. Isn’t that the entire point of a fre
  15. [R10] Credit Sesame 1/5 · US Why you stole my money: I will appreciate if you put my money back I canceled the app
  16. [R19] Credit Sesame 1/5 · US Stop changing me: You keep charging me and I’m not liking it!
  17. [R21] Credit Sesame 1/5 · US Impossible to contact: Be aware- if you need to contact them to reset your password, you won't be able to. Save yourself the time & trouble, it's a dead-end road.
  18. [R55] Credit Sesame 1/5 · US Lies about giving refunds: Initially I got the premium membership on October 3rd and paid the $20.99 , Then came here to read reviews and decided against it.. I then messaged them and asked for a refund, they then told me they refunded it and downgraded me to a free account. I waited a few days , gave them a few extra. Then it came to October 12 I realized the money hadn’t come back. I messaged
  19. [R66] Intuit Credit Karma 3/5 · US Ginger: Love the advice, love how you track and let me know what is going on. No way to contact you guys
  20. [R31] Credit Sesame 1/5 · US Liars. Don’t do free trial people!: Complete advertising fraud. Went to site and it said get all 3 credit scores now, start free trial so I did. Then it said other 2 credit bureaus are not included in free trial. Couldn’t even open full report of the one they do provide. All they want is money money and more money on everything you try to view. I’m sure they make money on the people that forget to
  21. [R59] Credit Sesame 1/5 · US Free trial scam: The free subscription is misleading. It doesn’t actually provide access to all three credit reports, just one. If you want to see the other two, you’re forced to skip the so-called 7-day free trial and pay immediately. The free version changes nothing and offers no real benefits. Feels like smoke and mirrors, borderline scam.”
  22. [R73] Intuit Credit Karma 1/5 · US High apr: Nothing is up to date. One day it’s up 28 points, 6 HOURS later it’s gone done 20 points. ALL their credit card offers have SUPER HIGH APR. people not here to REALLY help.
  23. [R88] Intuit Credit Karma 1/5 · US Don’t bother: This app will show you a score but it’s never even close to correct! Like 100 points off.
  24. [R106] Intuit Credit Karma 2/5 · US Incorrect Balances: Incorrect Balances

Synthesized from 110 recent App Store reviews · updated July 2026 · View on the App Store