Cards Karma Guarantee

A Karma Guarantee that you see on a credit card offer on Credit Karma means that if you are declined by the applicable lending partner for that credit card, you can receive a payment from Credit Karma (“Cards Karma Guarantee”). 

It is not a guarantee of approval for any credit card offer. Only the lending partner can make the credit approval. By applying for this credit card offer, you consent to the lending partner sharing its credit decision with Credit Karma in order to fulfill the Cards Karma Guarantee.

To be eligible, you must fully complete an application for this credit card offer (including providing any documents required) while signed in to your Credit Karma account, and be declined.

You will not be eligible for payment if: (1) you received a Cards Karma Guarantee payment in the past 90 days; (2) you do not have a Credit Karma account with a verified US telephone number; or (3) if the lending partner declines or does not process your application because you applied for this same credit card with them in the past 90 days.

If eligible, we will send you an email with steps to redeem the payment as a prepaid card or gift card. You must complete the steps to redeem the payment as a prepaid card or gift card, including any identity verification steps, within 90 days of when the email was sent. The value of the payment may be reported on an applicable IRS form.

Sponsored and managed by Credit Karma, LLC, not the lending partner. Not Transferable. Credit Karma is solely responsible for Cards Karma Guarantee fulfillment, and the lending partner is not responsible in any way for the Cards Karma Guarantee. Credit Karma may withhold payment in the event that fraudulent activity or violations of these terms are suspected. Credit Karma reserves the right to modify, cancel, or limit this promotion at any time.