Credit Sesame 4+

Credit Score & Mobile Banking

Credit Sesame, Inc.

Designed for iPad

    • Free
    • Offers In-App Purchases



Get your free score, monitor your credit, and get free personalized tips for improving your score.


To empower you to achieve your financial goals. Our app has helped millions of people get on a path to better credit.


You’ll get:

- Access to your credit score for FREE
- Daily credit score refreshes
- Personalized recommendations for credit cards, insurance, and other important services
- Cash back offers from your favorite brands***
- 2-day early pay day****

And many other tools to help you improve your financial wellness!


Sesame Cash is your all-in-one account created to improve your financial wellness. After you fund your account, you’ll get a debit card with access to cash back offers when you shop at local businesses and your favorite big brands too!*** If you want to access your cash a little faster, setting up a direct deposit into your Sesame Cash account can get you paid up to 2 days faster!

Plus, by activating Credit Builder, you can use debit to build your credit!** No fees* and no extra cards required!


With Credit Sesame Premium, you can unlock additional tools that help you take full control of your credit. Plus you’ll be covered with a $1M identity theft protection policy.
You’ll have access to detailed 3 bureau reports that give you more insight into your score including the ability to spot any discrepancies. If you need help, you’ll be able to leverage 24/7 support to get those discrepancies taken care of.

Credit Sesame Premium also includes rent reporting which allows you to establish your credit score with your on-time rent payments. You can use up to 2 years of past rent payments and your rent payments going forward too.


Don’t just take our word for it, see why people love Credit Sesame!

“It gives me a detailed look at my finances and make suggestions on what I can do to make it better."

“If you're trying to buy a new house, Credit Sesame is the place to start”

“It's like having an assistant that keeps track of credit and debit.”

“I feel so much less stressed, and more optimism about our future.”


* International and out-of-network cash withdrawal fees apply. Third-party and cash deposit fees may apply.
** Sesame Cash is a prepaid debit card issued by Community Federal Savings Bank (CFSB). Building credit with Sesame Cash requires you to also open a virtual secured credit card with CFSB that is reported to the credit bureaus. Use money from your Sesame Cash account to create a virtual secured credit card. Your debit card purchases are then added up to create a balance on your virtual secured credit card. As you make these purchases, an amount equal to the balance on your virtual secured credit card is also set aside in your Sesame Cash account to ensure you can make timely payments to pay off the balance on your virtual secured credit card at the end of each month, allowing you to build a positive payment history. Credit Sesame does not guarantee credit score improvement. Any predicted credit improvement from the use of your virtual secured credit card assumes that you will maintain healthy credit habits, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning, and more.
*** Cash back offers are powered by Empyr, Inc. and Button, Inc. Cash back requires the activation of any active offer before payment is made. Offers vary by geographic location and are subject to change. Please review the full program terms for more details.
**** Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

What’s New

Version 5.61.1

Improvements and bug fixes.

Ratings and Reviews

4.8 out of 5
344.8K Ratings

344.8K Ratings

tia house ,

Credit Sesame

I absolutely love using the Credit Sesame app., I have always wanted to build my credit but never new how and I thought it was a lot of trouble or to hard but as soon as I started using Credit Sesame my credit has went from poor/no credit to almost excellent! Just in a matter of months my credit numbers started rising!!! I have had credit sesame going two years now and I have yet to have any issues, I would definitely recommend this app to help anyone that is unsure how to build there credit as well as someone that has bad credit either way it will do the trick! You honestly would still benefit using Credit Sesame if you already have excellent credit just to have your back and help building your credit less stressful!!

Khriizj ,

It is okay!

It does everything that Karma does with some extra features. I would say they are the same but better? Just because they have extra features and options. But honestly it is a 3 star for me until by default they don’t bombard you with emails about applying for “suggested” credit cards, “tips” and how you should open a bank account with them. I literally get a total of 3 emails DAILY!!!!!!!!! From Credit Sesame. I have created my account a little over a week ago and I have close to like 50 emails from the app. It is like they are super desperate for you to use their applying forms or something. Like calm down. Chances are that if we are using services like yours our credit is trash 😂 so do not try so adamantly to make people apply for credit cards, read your stuff or apply for your banking things 3 times a day. It makes me feel like I am forced to do these things or that you are trying to sell a product rather than being here to help. I know you have to make money somehow but at least pretend you are on our side by lowering down the email bombardment. That shouldn’t be a manual option, it should be a setting by default.

Blaq XIV ,

In need of accurate updates!

I won’t lie, out of all of the credit tracking apps, Credit Sesame is probably the best one I’ve used so far. I love how they get you matched up for credit card offers, for those who are trying to build credit. I love the suggestions as to what you can do to raise your credit score. What I’m not too thrilled with is the inaccurate reporting. My score that shows on Credit Sesame is nowhere near what my actual score is. They try to push my actual current score off as a potential score after following certain steps. Then, they have the nerve to charge you either $1.99 for 3 days or $4.99 for 30 days to instantly update your credit for you. Of course looking to see if it would show my actual score, I tried the 30 day service. Wouldn’t you know, there were no changes. It sounds like the perfect way to scam a lot of people out of some money. Not only that, after obtaining the cards they suggested, they would turn around and suggest them to me all over again. It’s a good product, just needs more work.

App Privacy

The developer, Credit Sesame, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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