Credit Karma vs Zilch
A side-by-side comparison of Credit Karma and Zilch — TrustScores, verified reviews and ratings across the App Store and Google Play, updated for 2026.
Head-to-head
| Metric | Credit Karma | Zilch |
|---|---|---|
| TrustScore (/5) | 3.8 | 3.0 |
| Total reviews | 319 | 202 |
| Proof-verified reviews | 123 | 88 |
| App Store rating | 4.0 | 3.0 |
| Google Play rating | 3.8 | 3.1 |
| Region | Global | Global |
Credit Karma · rating distribution
5
123 · 39%
4
104 · 33%
3
39 · 12%
2
19 · 6%
1
34 · 11%
Zilch · rating distribution
5
38 · 19%
4
45 · 22%
3
38 · 19%
2
44 · 22%
1
37 · 18%
The verdict
Credit Karma edges ahead with a TrustScore of 3.8/5 versus 3.0/5 for Zilch — but the right choice depends on the features and fees that matter to you. Read the verified reviews for both before deciding.
Explore more loans & credit or see alternatives to Credit Karma and alternatives to Zilch.