Credit Karma
Free US credit score app that also matches you with cards, loans, insurance and a no-fee bank account.
Updated · AppBreakup editorial · Web, iOS, Android
Is Credit Karma free?
Yes, free to use
Switch from Credit Karma to
All 7
Rocket MoneyFree plan + paid
ExperianComparePaid plan: $24.99/month after a 7-day trial
BankrateFree
- Verified facts
- 5 of 5
- Alternatives ranked
- 7
- Approved reviews
- 0
- Visits sent from here
- 0
About Credit Karma
Credit Karma, owned by Intuit, began in 2007 as a free way to check your credit score and has grown into a broad personal finance app. You get free scores and reports with monitoring alerts, then the app suggests credit cards, personal loans, auto and home refinancing, and insurance quotes, showing estimated Approval Odds before you apply. It also offers a checking-style account with no monthly fees, a credit-building feature called Credit Spark, identity monitoring, and free federal tax filing through Credit Karma Tax. The service costs nothing to use: Credit Karma is paid by the lenders and insurers whose products you pick, so expect plenty of offers in the feed. It is aimed at people in the US who want to keep an eye on their credit and shop for financial products in one place, and runs on the web and on iPhone and Android apps.
Best for: US consumers who want free credit monitoring plus card and loan offers matched to their profile.
Credit Karma pricing (checked Nov 8, 2026)
Each line is quoted from Credit Karma's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| Tax filing | Free federal, $15 state | Nov 8, 2026 | creditkarma.com |
Pros and cons
What works
- Free credit scores, reports and monitoring alerts
- Shows estimated Approval Odds before you apply for cards and loans
- Free federal tax filing built in
- Banking account with no monthly fees or minimums
Why people leave
- Paid by partners, so the app is full of product offers
- Approval Odds are estimates, not a guarantee of approval
- State tax filing costs extra
Credit Karma vs Rocket Money, Experian and Bankrate
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
| Attribute | Credit Karma | Rocket Money | Experian | Bankrate |
|---|---|---|---|---|
| Pricing | Free | Free plan + paid | Free plan + paid | Free |
| Verified price | — | — | $24.99/month after a 7-day trial | — |
| Free plan | Free app | Up to two custom category budgets | Yes | Free app |
| Open source | No | No | No | No |
| Self-hostable | No | No | No | No |
| Platforms | Web, iOS, Android | iOS, Android, Web | Web, iOS, Android | Web |
Top Credit Karma alternatives
See all 7- 1Rocket Money71.8
Budgeting and subscription cancelling app that also tracks your credit score in one place.
- 2Experian42.3
Free Experian report and FICO Score 8, the bureau Credit Karma doesn't show.
- 3Bankrate42.3
Focuses on comparing current mortgage, savings, CD and loan rates across hundreds of US lenders.
- 4
ClearScore42.3Free credit report and pre-checked loan offers, with local versions in the UK, Australia, Canada and South Africa.
- 5
LendingClub (now Happen Bank)40.9Apply directly for a personal loan of up to $75,000 after comparing offers.
Why people left Credit Karma
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
No switching stories yet. If you moved away from Credit Karma, review the app you switched to and tell us why.
Reviews
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Credit Karma: common questions
What is Credit Karma?
Credit Karma: Free US credit score app that also matches you with cards, loans, insurance and a no-fee bank account. Best for US consumers who want free credit monitoring plus card and loan offers matched to their profile. Available for Web, iOS and Android.
Is Credit Karma free?
Yes, Credit Karma is free to use.
How much does Credit Karma cost?
Credit Karma is free to use. Tax filing: Free federal, $15 state. Checked on Credit Karma's own site, November 2026.
Is Credit Karma open source?
No, Credit Karma is not open source.
What platforms does Credit Karma run on?
Credit Karma is available for Web, iOS and Android.
What are the best alternatives to Credit Karma?
The highest-ranked Credit Karma alternatives right now are Rocket Money, Experian and Bankrate. See the full ranked list for pricing, platforms and verified facts.
Credit Karma vs Rocket Money: what's the difference?
Credit Karma is free to use; Rocket Money is free with paid plans. Both run on Web, iOS and Android.