Credit Karma 2026: Benefits, Features & Pricing

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Overview
Pricing and Plans
Features
User Reviews

Overview

Credit Karma

4.6

(29)

Pricing

Pricing available upon request

About Credit Karma

Credit Karma is a free credit monitoring and financial management tool that helps users gain insight into their credit and spending habits. Credit Karma provides a holistic view of all credit finances so you can make informed decisions to help achieve financial progress.

Credit Karma also analyzes credit scores and provides recommendations on how to improve your financial situation in order to help you build a positive credit history.

Credit Karma also provides personalized, actionable advice and tips on everything from paying down debt to how to apply for a loan. Join over 100 million members making financial progress toward their credit goals.

Credit Karma Screenshots

Credit Karma Pricing and Plans

Starting price: Connect with an advisor for pricing

Free Trial

Free Version

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Credit Karma Features

Popular features found in Reporting
Ad hoc Query
Customizable Dashboard
Dashboard Creation
Data Import/Export
Drag & Drop
Forecasting
Multiple Data Sources
OLAP
Performance Metrics
Scheduled/Automated Reports
Search/Filter
More features of Credit Karma
API
Data Visualization
Financial Reporting
Real-Time Data
Real-Time Reporting

Credit Karma User Reviews

Overall Rating

4.6

Ratings Breakdown

76%

14%

Secondary Ratings

Ease of Use

4.8

Value for money

4.7

Customer support

4.4

Functionality

4.8

Have you used Credit Karma and would like to share your experience with others?

Frankie S.

Verified reviewer

Computer & Network Security

2-10 employees

Used daily for more than 2 years

Review source

Reviewed August 2025

Great app for tracking credit when you keep on top of it!

Overall, the app is a good tool to help people stay on top of their finances. With some more oversight, a user could do some great work tracking their financial status and credit scores.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

For what the app does, its not bad. It makes it easier for me to know what my ' Options are before making any major decisions, financially.

Cons:

Well, I recently had the government remove my student loan while I was still relying on that to keep my credit score high. The app kept sending me notifications saying that my score was higher than people my age, that my score was going up and congratulated me for my score going up. I came to find that my score had dropped when I applied for a loan and my score was down by over 100 points and I never got a notification about it from the app. I still use the app, but this disappointed me.

Andre P.

Verified reviewer

Retail

51-200 employees

Used daily for less than 2 years

Review source

Reviewed September 2025

Helped me fix my mistakes

All in all it’s been great. I use it daily and the notifications when my credit increases make me smile.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Credit karma has helped me so much in repairing my credit. Its user friendly interface and personalized credit card offers makes it so easy.

Cons:

Sometimes I feel when it comes to credit repair, offering loans shouldn’t be so easily visible. These high interest loans are what ruined my credit.

Reasons for switching to Credit Karma

The user friendly interface. I was using the credit check on my credit card app originally but it was slow to update.

Royce C.

Verified reviewer

Computer Software

Self-Employed

Used weekly for less than 2 years

Review source

Reviewed March 2025

Okay with ck

I used it for a while. Had a lot of helpful hints on it to help with credit

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

It was good to get my credit reports from them

Cons:

Too. Many offers that didn't pan out for loans

Verified

Reviewer

Health, Wellness and Fitness

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed July 2025

Easy to use and important information to keep an eye on!

Overall, I love the ease of use. I like how the dashboard, tax, credit, accounts and debt are all separated and easy to access. It will show you all your loans, debt and accounts open which helps you stay protected in the case of someone trying to use any of your information. They show you available cards you may be approved for and that's very helpful as well.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

I love pretty much everything about Credit Karma. I use it very frequently and get emails often regarding my accounts. I like that you can log in with a number passcode, I like that it shows you your average tax refund estimate, I like that it keeps your credit score pretty updated and all the account information.

Cons:

I haven't run into many things I don't like about Credit Karma but I do dislike how many emails I get that maybe I didn't need to.

Joshua B.

Verified reviewer

Construction

Self-Employed

Used weekly for more than 2 years

Review source

Reviewed June 2025

Scores up. Hassels down.

Handy as can be. My credit scores up 117 points thinks the the help of Credit Karma. Thanks Credit Karma.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

The dual credit access. Its absolutely awsome, to be able to monitor my equifax and my Transunion, in the same app.

Cons:

There slow to update the credit matches section of the software. When a new card match is available, id like to know.

Nathaniel F.

Verified reviewer

Construction

2-10 employees

Used daily for more than 2 years

Review source

Reviewed May 2025

A must have for everyone!

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Credit Karma is the ultimate all-in-one money app. It lets you do everything a typical bank does but also allows you to check and track your credit score, and much more.

Cons:

I didnt think there was any downside to Credit Karma whatsoever. I love this app and everything about it.

Verified

Reviewer

Retail

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed August 2025

Great To Keep Up on Credit Score

Overall its a good way to be able to keep up to date with my credit score and see things that are affecting it.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

I like that it shows me my credit and am able to check regularly without it affecting my credit score

Cons:

I have tried to apply for things that is suggests and says I have good odds of receiving but don't receive them.

LaSheena B.

Verified reviewer

Research

Self-Employed

Used daily for more than 2 years

Review source

Reviewed April 2025

Credit Karma Is A Good Tool

My overall experience with Credit Karma has been great. I have been using the application since my very early 20's.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Credit Karma is a great credit monitoring app. The application houses a lot of information that helps assist me in knowing my financial situation and confirming my stance financially along with helping me confirm my financial aspirations.

Cons:

Currently there are not cons with using Credit Karma as it is what I expected it to be.

Xochitl R.

Verified reviewer

Child Day Care Services

Self-Employed

Used weekly for more than 2 years

Review source

Reviewed July 2025

Love Credit Karam

I have used credit karma for almost 20years if not more. It has been very useful to keep my credit on track.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

That you can check you credit score anytime 24/7. Also, that there is a lot of information in the app that help you make better financial discissions.

Cons:

That the credit score is not the FICO score, the score very in number. other than that i am very happy with credit karma.

Shannel H.

Verified reviewer

Construction

2-10 employees

Used weekly for less than 2 years

Review source

Reviewed September 2025

Love Love this app

Fast, easy and navigation is simple. You can generate reports and customer service is great. Keeping all your financial information together is great.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Free and love that I can view my information at anytime anywhere. Easy to view and make any disputes at the click of a finger

Cons:

Wish that it would update more than it dose. Have not found much bad with the app. It dose lock you out a lot.

Showing 1 - 10 of 29 Reviews

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