Championing financial progress for all.

We put our 100+ million members at the center.

Making progress is hard work. That’s why we believe in a world where technology and data can help make finances easier for everyone. It’s our mission to empower each and every one of our members with the knowledge, tips and tools they need to turn their financial dreams into a reality.

We’re free and always will be. Everyone deserves the chance to build a better financial future and that starts with checking your credit scores for free. We work with Equifax and TransUnion, two of the three major credit bureaus, to give our members access to their scores for free.

On top of showing free credit scores, our members can see free personalized offers and recommendations on their profiles to help them make their next financial move, their best move. For instance when you take an offer –– like for a credit card or loan –– through Credit Karma, we usually make some money from one of our partners, like the bank that issues the card or the lender who funds your loan. At the end of the day, we all win. That’s why free is kind of our thing.

Are you working on building credit?

Card issuers typically use your credit scores as a factor when deciding whether to offer you a card. Knowing your scores can help you apply for cards that fit your credit profile. Once you know your scores, you can apply for cards that you may be more likely to get approved for. That can help give you a better chance of avoiding the hard credit inquiry that comes with applying for a card and then being rejected. Hard inquiries could have a negative impact on your scores. If you’re new to credit, the Petal® 2 Visa® Credit Card offers a chance to to build credit from scratch with no fees to worry about and the opportunity to earn cash back. Another option, whether you’re brand new to credit or working on building it back up, is a secured card. This type of card can help you build credit as long as you pay off your statement balance in full by the due date. Just make sure the card issuer reports your payments to the three major consumer credit bureaus.