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Free Credit Karma alternatives: 4 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rank

4 of the 7 Credit Karma alternatives we track can be used for free (free, open source, or with a free plan). Rocket Money, Experian and Bankrate rank highest, with facts last verified Nov 8, 2026.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Rocket Money logoRocket MoneyFree plan + paid—NoiOS, Android, Web5 of 571.8
2Experian logoExperianFree plan + paid$24.99/month after a 7-day trialNoWeb, iOS, Android7 of 742.3
3Bankrate logoBankrateFree—NoWeb5 of 542.3
4ClearScore logoClearScoreFree—NoWeb, iOS, Android5 of 542.3
  1. Rocket Money logo

    1. Rocket MoneyTop pick

    Best for: People who want to find and cancel forgotten subscriptions and get a quick view of spending

    Free plan + paidiOS, Android, Web

    71.8

    score / 100

    Why switch from Credit Karma

    Budgeting and subscription cancelling app that also tracks your credit score in one place.

    Pros

    • Free tier tracks every subscription and upcoming bill
    • Premium can cancel subscriptions on your behalf
    • Bill negotiation fee applies only if it saves you money
    • Spending, credit and net worth in one app

    Cons

    • Free tier allows only two custom category budgets
    • Budgeting is lighter than in dedicated budget apps
    • Owned by a mortgage lender with other products to offer
    Visit Rocket Money Details and reviews
    How this score is calculated
    Editorial fit ×0.360
    Reviews ×0.363
    Clicks (90 days) ×0.15100
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Rocket Money a good Credit Karma alternative?

    Verified facts

    5 of 5 verified
    Plans
    Free, Premium and Premium+
    Checked Nov 8, 2026rocketmoney.com(opens source in a new tab)
    Free tier budgets
    Up to two custom category budgets
    Checked Nov 8, 2026rocketmoney.com(opens source in a new tab)
    Cancellation service
    Premium only
    Checked Nov 8, 2026rocketmoney.com(opens source in a new tab)
    Bill negotiation
    Success-based fee, only if it saves you money
    Checked Oct 28, 2026rocketmoney.com(opens source in a new tab)
    Owner
    Rocket Companies (formerly Truebill)
    Checked Nov 8, 2026rocketmoney.com(opens source in a new tab)
  2. Experian logo

    2. Experian

    Best for: US consumers who want their Experian report and FICO Score free, with optional paid identity protection

    Free plan + paidWeb, iOS, Android

    42.3

    score / 100

    Why switch from Credit Karma

    Free Experian report and FICO Score 8, the bureau Credit Karma doesn't show.

    Pros

    • Free Experian credit report and FICO Score 8, no card required
    • Experian Boost can add utility and phone bills to your file
    • Paid plans cover all three bureaus and include ID theft insurance

    Cons

    • Free tier covers Experian data only, not Equifax or TransUnion
    • Paid trial needs a credit card and rolls into a monthly plan
    • Free experience includes card and loan offers
    • US only
    Visit Experian Compare with Credit KarmaDetails and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Experian a good Credit Karma alternative?

    Verified facts

    7 of 7 verified
    Free credit report and score
    Yes, no credit card required
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Score model
    FICO Score 8
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Paid plan
    $24.99/month after a 7-day trial
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Identity theft insurance
    Up to $1 million
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    3-bureau monitoring
    Paid plans
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Premium plan
    $24.99 a month after a 7-day free trial
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Free trial
    7 days, credit card required
    Checked Nov 8, 2026experian.com(opens source in a new tab)
  3. Bankrate logo

    3. Bankrate

    Best for: US borrowers and savers comparing mortgage, CD, savings and loan rates before picking a lender

    FreeWeb

    42.3

    score / 100

    Why switch from Credit Karma

    Focuses on comparing current mortgage, savings, CD and loan rates across hundreds of US lenders.

    Pros

    • Weekly rate surveys covering hundreds of banks and credit unions
    • Mortgage rate comparison without a credit pull
    • Broad coverage: mortgages, savings, CDs, cards and several loan types
    • Large library of calculators and lender reviews

    Cons

    • Only covers the US market
    • Paid by the lenders and issuers it lists, so rankings deserve a second look
    • No credit score or credit report monitoring of its own
    Visit Bankrate Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Bankrate a good Credit Karma alternative?

    Verified facts

    5 of 5 verified
    Founded
    1982
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Lenders surveyed
    850+ banks and credit unions every week
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Credit check for mortgage quotes
    No credit pull required
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Business model
    Not a bank or lender
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Owner
    Red Ventures
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
  4. ClearScore logo

    4. ClearScore

    Best for: People in the UK and other ClearScore markets who want a free credit report and pre-checked loan offers

    FreeWeb, iOS, Android

    42.3

    score / 100

    Why switch from Credit Karma

    Free credit report and pre-checked loan offers, with local versions in the UK, Australia, Canada and South Africa.

    Pros

    • Credit score and full report are free with no paid tier
    • Shows approval chances on offers without harming your score
    • Repayment simulator and borrowing overview help with paying down debt
    • Free leaked-password monitoring included

    Cons

    • UK report comes from Equifax only, not all three bureaus
    • Earns commission on products, so it constantly surfaces offers
    • Not available in the US
    Visit ClearScore Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is ClearScore a good Credit Karma alternative?

    Verified facts

    5 of 5 verified
    Price
    Free
    Checked Nov 6, 2026clearscore.com(opens source in a new tab)
    Credit report source (UK)
    Equifax
    Checked Nov 8, 2026clearscore.com(opens source in a new tab)
    Report updates
    Weekly
    Checked Nov 8, 2026clearscore.com(opens source in a new tab)
    Regulation
    FCA authorised (FRN 654446)
    Checked Nov 6, 2026clearscore.com(opens source in a new tab)
    Business model
    Credit broker paid by commission
    Checked Nov 6, 2026clearscore.com(opens source in a new tab)