Hear it straight from our members
Forest - MO
Credit Karma has helped me monitor my credit score and find new credit cards in half the time it would take to scour the internet for endless tools and financial tips. It is efficient and helpful for someone like me who knew very little about finances at the beginning of my financial journey.
Alicia - NY
I didn’t know how to use credit before having the app, I didn’t know what credit cards would be best for me. The app is foolproof and explains every little thing in detail and I have taught myself about credit and how to improve credit use and how to manage my cards within one year of using Credit Karma. It has been very helpful to me.
Glen - AZ
(...) Credit Karma has freed me from so many money worries and hours of financial research. From lessons on budgeting basics to tips on bettering my credit, they’ve set me up for success! I can look into complex things like refinancing my auto loan right on Credit Karma’s site to make sure I get the best terms. (...)
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*A Karma Guarantee that you see on a credit 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; or (3) if the lending partner declines or does not process your application because you applied to the 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 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 reserves the right to modify, cancel, or limit this promotion at any time.