Yes. Credit Karma is always 100% free.
To give you a better idea of who we are, we’ve answered some of the most common questions we hear.
Does Credit Karma require a credit card to sign up?
No, and we never will. Credit Karma will never ask you for your credit card number during the registration process or at any other time.
What’s the catch?
“So, am I going to be bombarded with ads?” Simply put, we do generate revenue through advertising partners, but it may not be the kind of advertising you imagine. Rather, our goal is to provide personalized offers that we think might be helpful to you based on your current credit situation.
Credit Karma recommendations are based on powerful algorithms that find products based on your credit profile. These offers may include refinancing options if you look like you might be overpaying for a loan, or credit cards that could help you optimize your savings and earnings (just to name a few).
You are never under any obligation to take our offers. Our service is completely free to you either way.
What do I get for free?
We pack a lot of things into our site! Here are just some of the tools and features you can get for free from Credit Karma:
Your VantageScore 3.0 credit scores from TransUnion and Equifax, updated weekly when you log in.
Your full TransUnion and Equifax credit reports, with highlights of areas you may want to review.
Credit monitoring. Rest easy knowing that your TransUnion credit report is being tracked on a daily basis and that Credit Karma will notify you of any significant changes.
Account monitoring. By connecting your bank and loan accounts, you’ll be able to see them in one place. You’ll find tools to track and analyze your spending. Plus, you can set up alerts to remind you when a bill is due, track where your money is going and more!