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

Intuit Credit Karma vs Credit Sesame

Intuit Credit Karma 4.8★ · Free + IAP 85
Winner Intuit Credit Karma
Credit Sesame 4.8★ · Free to download 75

Choose Intuit Credit Karma for a more comprehensive free service with better overall ratings.

Full reviews: Intuit Credit Karma · Credit Sesame

Intuit Credit Karma offers a more robust free experience with higher lifetime ratings compared to Credit Sesame. Users appreciate its comprehensive tools for monitoring credit scores and financial health, while Credit Sesame struggles with reliability and customer support issues.

Head to head

features edge: Intuit Credit KarmaR2R5R17R65
Intuit Credit Karma Credit Karma provides a wide range of features for monitoring credit scores, including insights and educational tools, which users find beneficial R2R5R17.
Credit Sesame Credit Sesame offers some useful features like a card reporting calendar, but many users feel limited by the need to upgrade for full functionality R65R66.
ease of use edge: Intuit Credit KarmaR8R56R67R71
Intuit Credit Karma Users find Credit Karma easy to navigate and appreciate its user-friendly interface R8R56.
Credit Sesame Credit Sesame has been criticized for login issues and usability problems, making it frustrating for users R67R71R89.
reliability edge: Intuit Credit KarmaR12R20R67R71
Intuit Credit Karma While Credit Karma has its share of complaints about inaccuracies, many users still trust its data R12R20.
Credit Sesame Credit Sesame faces significant reliability issues, with users frequently reporting problems accessing their accounts R67R71R89.
price/value edge: Intuit Credit KarmaR2R17R66R91
Intuit Credit Karma Credit Karma is free with in-app purchases, providing substantial value without requiring payment for essential features R2R17.
Credit Sesame Credit Sesame is free to download but requires payment for many features that are available for free on Credit Karma R66R91.
support edge: Intuit Credit KarmaR13R31R81R89
Intuit Credit Karma Users have reported issues with Credit Karma's support, but some have still found resolutions R13R31.
Credit Sesame Credit Sesame users frequently express frustration over the inability to contact support effectively R81R89.
Pick Intuit Credit Karma if

you want a comprehensive free app with a strong feature set and better user ratings.

Pick Credit Sesame if

you prefer a simpler app and are willing to pay for premium features.

Evidence note: While both apps have their strengths, Credit Karma's free tier offers more features and better overall user satisfaction compared to Credit Sesame's paid model, which has received more negative feedback.

Frequently asked

Is Credit Karma really free?
Yes, Credit Karma is completely free to use, offering a wide range of features without requiring payment for essential services, while Credit Sesame has many features locked behind a paywall R2R66.

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. [R2] Intuit Credit Karma 5/5 · US The best credit app in existence: It is literally a goto for anyone that wants to watch they’re credit score and or utilize growing they’re credit using this app
  2. [R5] Intuit Credit Karma 5/5 · US Great: This app is very useful for reviewing credit reports and provides guidance on improving your credit score.
  3. [R17] Intuit Credit Karma 5/5 · US Love Credit Karma: It’s an excellent app to have to help you monitor your financial life. Highly recommend.
  4. [R65] 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
  5. [R8] Intuit Credit Karma 5/5 · US Mr. Hoyer: Love it!
  6. [R56] Intuit Credit Karma 5/5 · US Must Needed!: Credit Karma is an easy to use platform that equips you with all of the tools necessary to improve and maintain good credit health.
  7. [R67] 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
  8. [R71] 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!!!
  9. [R12] 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.
  10. [R20] Intuit Credit Karma 5/5 · US Credit reports: Love see improvement with accurate information app
  11. [R66] 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 !
  12. [R91] 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
  13. [R13] Intuit Credit Karma 1/5 · US Can’t get into my account: I have been unable to get into my account and nothing is working to resolve and there’s no real support. I keep getting messages like “We're sorry for the inconvenience. A technical issue has unexpectedly occurred. Please try again in a few moments.” This has gone on for weeks! I attempt daily, have researched extensively, and tried everything. There should be a way to g
  14. [R31] Intuit Credit Karma 2/5 · US Lack of Follow Through from Customer Support: Decent app. I had issues connecting accounts. Contacted support for help and was largely ghosted. One issue took forever to resolved but eventually was. The other issue never was resolved despite numerous attempts on my end contacting support.
  15. [R81] 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.
  16. [R89] Credit Sesame 1/5 · US Doesn’t work: I used to love this app but now I can’t even get into it. I log in (using username and password because for some reason the pin I setup no longer works) then it wants to send a code but never sends it. This app is now deemed useless.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store