iPhone Screenshots

Description

Get the money app where your hard work pays off with a new credit score, a new credit card or even a new house.

• Check your free credit scores – Learn what affects your credit scores and how you can take control.
• Credit Karma Money™ Spend – A checking experience* with Early Payday and a daily chance to win Instant Karma™ cash reimbursements for debit card purchases.**
• Credit Karma Money™ Save – Now saving is easy with no fees, an interest-bearing savings rate and a monthly chance to win $20,000.***
• Karma Confidence – See personalized offers and know your chances of approval for a personal loan or credit card before you apply.
• Credit card choices – Browse great credit card offers based on your unique credit profile. And thanks to Karma Confidence technology, our members get approved 66% more often.****
• Auto savings and more – Tune up your auto loan, see about saving on insurance, see open recalls and find vehicle records.
• Karma Drive – Track your safe driving score to see if you can unlock lower car insurance rates.*****
• Home sweet home – Calculate how much home you can afford, see personalized home loan offers and get a mortgage pre-qualification letter.
• Personal loan shopping – Whether you want to refinance credit card debt or borrow for an emergency, you can compare personal loan offers on Credit Karma (members who compare offers on Credit Karma save an average of 32% on interest rates!).******
• Explore the Relief Roadmap - Connect to government stimulus programs, unemployment benefits, debt relief opportunities, loan options and more.
• Free ID monitoring – Check your free reports to spot potential identity theft and get tips for keeping your personal information safer.
• Free credit monitoring – Get credit alerts when we see important changes happen to your Equifax or TransUnion credit reports.

Join more than 120 million members and get all these features, and more, for free. Download the Credit Karma app and create your own karma today.


DISCLOSURES

Banking services provided by MVB Bank, Inc., Member FDIC.
*Third-party fees may apply.



**NO PURCHASE NECESSARY. For Rules visit https://www.creditkarma.com/lp/sweepstakesrules-checking#instant

***NO PURCHASE NECESSARY. For Rules visit https://www.creditkarma.com/lp/sweepstakesrules-checking#savings-instant

****Based on a comparison of Credit Karma member approval rates in 2021 vs national approval rates for general purpose credit cards from 2020 according to the Consumer Financial Protection Bureau’s 2021 Consumer Credit Card Market Report (36%)

*****Karma Drive is not available in all states. Sign in the app for availability.

******Based on aggregate member personal loan origination data from July 2020 to December 2020. Estimated average interest rates for members who found personal loans through Credit Karma were compared with estimated average interest rates for members who found personal loans elsewhere. Those members who found personal loans through Credit Karma had estimated interest rates that were 32% lower on average than those who found personal loans outside Credit Karma.

Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID# 1588622 | Read licenses at https://www.creditkarma.com/about/mortgage-licenses.

Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at https://www.creditkarma.com/about/loan-licenses | California loans arranged pursuant to a California Financing Law license.

Insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748).

What’s New

Version 22.3

This version has been updated to include Credit Karma Money™ Spend with Instant Karma™ debit purchase reimbursements. * Win cash reimbursements for debit card purchases

• No overdraft or in-network ATM withdrawal fees
• Get paid up to two days early with Early Payday
• Add debit card to Apple wallet in one tap

Ratings and Reviews

4.8 out of 5
4.6M Ratings

4.6M Ratings

Brianm523 ,

Good way to track credit changes, with caveats

I’ve been using Credit Karma for at least 7-8 years now, and overall I’m very happy with how it shows my scores and keeps info up to date on my report.
I was able to dispute a negative item through CK and have it removed, which gave my score a remarkable jump. I started with about a 580, and CK now shows me at 720.
Now, the only downside is that CK uses the Vantagescore 3.0 model, while no lenders do. They all use FICO modeling, some are still using FICO 3 even though that model is from many years ago. This can make your score significantly different, sometimes higher, but usually lower. For example, when I bought my house back in 2016, CK showed me to be around 680. My actual FICO score used was closer to 620. That put me in a different interest rate bracket, so my payments were a little higher than expected.
Fast forward to present day (April 2021) and while CK shows my score at 720, a recent Amex platinum card approval shows my score at 758.
So, don’t go into Credit Karma thinking it’s the same score you will get from a lender that pulls your report, but use it as a tool to monitor your credit and manage your debt. It’s helped me in that regard, and I take the scores with a grain of salt understanding scoring models are different.

steph0468 ,

Nothing to not like about this app

When I started with credit karma 3 years ago I literally had no credit score. Ten years of zero revolving credit and I looked like a ghost to potential lenders. Now I have a score well above 700 with Transunion. Equifax is lower because I guess they still have me on side-eye status. I’ve paid attention to everything credit karma has suggested and stayed on top of my score with its help. I even created a new email after it alerted me to my old account being present on the dark web. It’s just a great app if your goal is to get a handle on your credit. My only suggestion for improvement would be for credit karma to create a second arm of their company which sort of Tony Soprano grabs Equifax or Transunion and makes them an offer they can’t refuse to give me ten extra points to my score when I’ve gone months being well behaved with my credit! I need some muscle up in here! Weight thrown around, if you will, because my goal is 800! Credit Karma needs a Don to make this happen for me - the ‘say hello to my little friend’ department created in credit karma that gets me to excellent credit status. I dream big - but can we make that happen?! Guys? Anyone? Any mob movie fans in the company…?

Asia Lovey ,

Need more credit offerings

I LOVE Credit Karma! I only wish they had more diverse credit card option. As my credit score gets better, I keep getting offers from Capital One. I have two cards already and when I accepted an offer they (Credit Karma via email) recently sent me, I was declined based on having too many Capital One cards. I have no problems with my Capital One cards, the app makes it so easy to manage and pay my balances. The in app reviews seem to be spot on so make sure you take the time to read them before accepting offers. They seem to be partnered with a company that offers credit but the reviews are pretty much “consumer beware” I’m glad to have Capital One in my wallet so if your looking for a go to card with awesome reviews on rebuilding your credit, they are a good place to start. I recently also started receiving auto financing offers from a company that basically sells their cars via a vending machine concept. The reviews are absolutely horrible and the cars are severely overpriced. It is my opinion that some partnerships are just not a good fit for Credit Karma. Someone with bad credit would have a better chance of getting a better deal at a lemon lot or car auction. Credit Karma has helped me set reachable credit goals. I just wish there were better in app credit offerings as ones scores improve.

App Privacy

The developer, Credit Karma, 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 Linked to You

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

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Browsing History
  • Identifiers
  • Usage Data

Data Not Linked to You

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

  • Purchases
  • Usage Data
  • Diagnostics

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

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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