Credit Karmavs
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Credit Karma
Free credit scores, reports, and more
As of 30 August 2026, Credit Karma is free to use. Credit Karma provides free credit score monitoring, credit reports, and personalized recommendations. Softwr lists it under Personal Finance. Credit Karma is made by Intuit, launched in 2007, available on Web, iOS, Android.
Overview
What Credit Karma does
Credit Karma provides free credit score monitoring, credit reports, and personalized recommendations. Offers credit card recommendations and debt management tools.
What people use it for
- Monitoring a credit score and the factors affecting it for free
- Comparing credit card and loan offers with Approval Odds
- Filing federal tax returns at no charge
Related searches
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about Credit Karma.
- State tax filing costs 15 USD even though federal filing is 0 USD
- Credit Spark builds score history against TransUnion, and the site states that not all lenders use TransUnion credit reports or scores
- Card and loan listings are advertising placements, disclosed on the site as compensation from third party advertisers
- Send and score update frequency limits are not published on the site
Cross-shopped
What people choose instead of Credit Karma
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- Credit KarmavsKraken
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- Credit KarmavsPayPal
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- Credit KarmavsCash App
Cash App: Money sent in seconds
Pricing
What Credit Karma costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Free
Free
- Credit score monitoring
- Credit reports
- Personalized recommendations
Capabilities
Features
Free credit score
Credit report monitoring
Credit card recommendations
Tax filing
Credit bureaus
Integration with Credit bureaus
Financial institutions
Integration with Financial institutions
Web support
Available on Web
IOS support
Available on iOS
Android support
Available on Android
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
How much does Credit Karma cost?
Credit Karma's core services are completely free: credit score monitoring, credit reports, card and loan comparisons, and federal tax filing. The only costs are optional: $15 per state tax return and $2.50 per out-of-network ATM withdrawal.
SourceIs Credit Karma's credit monitoring free?
Yes, Credit Karma offers free credit score monitoring, credit reports, personalized insights, and credit building tools. Users can access their credit data without any subscription cost.
SourceWhat is the cost to file taxes with Credit Karma?
Federal tax filing is free with Credit Karma Tax. State tax filing costs $15 per return. These costs are optional and only apply if you choose to file through the platform.
SourceBehind it
Who makes Credit Karma
- Company
- Intuit
- Based in
- San Jose, California
Keep looking
Where to go from Credit Karma
- Credit Karma alternativesEvery product people weigh against it
- Credit Karma pricingPlans, floors and what the tiers exclude
- Credit Karma badgesWhich rules it meets, and the figure behind each
- All Personal Finance softwareThe full category
- Best Personal Finance softwareThe shortlist, and how it was cut
Best Personal Finance software for
Compare Credit Karma with
- Cash App
- Kraken
- Coinbase
- PayPal
- Investopedia Stock Simulator
- Robinhood
- Personal Capital
- Fidelity
- Remitly
- Charles Schwab
- GnuCash
- Money Manager
- Firefly III
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- Quicken
- Strands
- WorldRemit
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Softwr does not host reviews and shows no star rating for Credit Karma, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
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Every tier, and where the cost actually lands
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