“They sell your info! Expect Spam calls, spam texts, and spam emails! Do not trust them to keep your data private.”
Independent automated assessment · 6 signal sources · 1,326 reviews scanned · analyzed 2026-10-06.
4.8 ★10,987,172 ratings
50M+Downloads
17+Age rating
286 MBApp size
FreeIn-app purchases
About this app
Confidently navigate your finances & make progress with Intuit Credit Karma.
SEE YOUR UP-TO-DATE FINANCIAL SUMMARY -Know exactly where your money is going -Get alerts when your credit scores change
EASILY COMPARE YOUR OFFERS -See personalized credit card recommendations and loan offers -Compare real insurance options -Apply with more confidence†
CONNECT YOUR ACCOUNTS & SAVE MONEY -Track your monthly spending -Automatically categorize your transactions -Build credit history with bills you already pay with Credit Spark™ -Get more value out of the cards in your wallet with Cards Optimizer
BANK ONLINE -Open Credit Karma Money Spend and Save accounts*** in the app -You could get access to your paycheck up to two days earlier when you set up direct deposit¹…
Preview
Real screenshots from the store listing.
Independent evidence report
Evidence and review signals
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
App Store
This analysis describes version 26.40 of the app, analyzed 2026-10-06 . The app may have changed since.
The store currently lists version 26.40, updated 2026-09-28.
Google Play
This analysis describes version 26.39 of the app (the version number recorded inside the package we inspected), analyzed 2026-10-05 . The app may have changed since.
The store currently lists version 26.39, updated 2026-09-24.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to fewer than 1 review in 20
Price in the store description
States a price and a billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
1 theme reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
80–89% five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
From the package we downloaded and read — version 26.39, scanned 2026-10-01.
Permissions Android classifies as dangerous
6 or more requested
Counted against the eighteen permissions listed in collect-package.ts. A dangerous permission is one Android asks the user to grant; requesting one is not itself a finding.
Analytics or tracking SDKs in the scanned package
1–2 found
Advertising SDKs in the scanned package
None found
Counted as distinct SDKs in the package we scanned. One mediation bundle can contribute several, so this is not a count of advertisers.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
Positive evidence 2
Things this app does right, published at the same strengths as the catch list.
No advertising SDKs
No advertising or mediation SDK of any kind was found in the package.
What we saw: No advertising or mediation SDK among the 6 SDKs detected in the package
Developer says data deletion can be requested
The developer's data-safety disclosure on the store states that users can request deletion of their data, or the app's own text offers a way to delete the account. This restates what the developer declares; it is not a test of whether deletion works. Apple publishes no equivalent disclosure, so on an Apple-only listing only the app's own text can support it.
What we saw: The developer's store data-safety disclosure states that data deletion can be requested; we have not seen a deletion control in the app's own text
One source only — shown, not confirmed 2
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
Reported by users: Tracking and data collection concerns
The app ships session-recording or a wide tracking stack, holds permissions that read personal data, or is reported by users to sell, leak or over-collect it. The evidence line says which of those was observed.
What we saw: Data & privacy concerns: raised by 9 distinct reviewers (1.1% of 826 reviews scanned)
In the app's own text: Countdown-timer purchase pressure
The app's own purchase copy attaches a deadline to buying — a countdown, 'offer ends in', 'limited time' — or ships a countdown view on a purchase-screen layout.
What we saw: Deadline pressure in the app's own copy: "Limited Time Offer"
Highlighted reviews
Representative public review excerpts shown as user reports, not Appworthy audit evidence.
“immediately sold my data through false ad false push notification, even when I backed off. now I keep getting spam calls and texts, even when I said stop and no...”
“Credit Karma keeps sending me alerts about a Chevrolet Silverado 1500 I’ve never owned. Other users report getting alerts for vehicles they don’t own too. These notifications can cause unnecessary panic when you think something fraudulent…”
Assessment & version history
App changes and Appworthy events in one timeline.
Store listing updated to version 26.40.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Business modelFree
Prices and terms as disclosed by the store listing.