Credit Karma

Credit Karma is an AI-powered personal finance platform founded in 2007 and owned by Intuit since 2020, serving more than 140 million members in the US, UK and Canada. It began as a free credit-score and credit-monitoring destination and has grown into a broad consumer finance marketplace spanning credit cards, personal and auto loans, mortgages, auto and home insurance, banking (checking, savings and credit-builder accounts), tax filing, and identity monitoring. Credit Karma monetizes through personalized recommendations and lead generation rather than a public developer or partner API; it maintains no external consumer-facing API program. It does run an active engineering culture with 29 public open-source repositories on GitHub (Thrift and GraphQL tooling), a coordinated vulnerability disclosure program via HackerOne, and SOC 2 / ISO 27001 security certifications.

Credit Karma is profiled on the APIs.io network. Tagged areas include Company, Fintech, Personal Finance, Credit Scores, and Credit Monitoring.

Credit Karma’s developer surface includes support and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub

22.6/100 emerging ▬ flat Agent 7/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechPersonal FinanceCredit ScoresCredit MonitoringLendingConsumer FinanceInsuranceBanking

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 22.6/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 0.9 / 20

Commercial Clarity 7.4 / 20

Operational Transparency 2.1 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 7/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 3 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/credit-karma: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 6

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

DomainSecurity

DomainSecurity

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

TrustCenter

TrustCenter

Compliance

Compliance

Operate 2

Status, limits, changes, and where to get help

Support

Support

HelpCenter

HelpCenter

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: credit-karma
name: Credit Karma
description: Credit Karma is an AI-powered personal finance platform founded in 2007 and owned by Intuit since 2020, serving
  more than 140 million members in the US, UK and Canada. It began as a free credit-score and credit-monitoring destination
  and has grown into a broad consumer finance marketplace spanning credit cards, personal and auto loans, mortgages, auto
  and home insurance, banking (checking, savings and credit-builder accounts), tax filing, and identity monitoring. Credit
  Karma monetizes through personalized recommendations and lead generation rather than a public developer or partner API;
  it maintains no external consumer-facing API program. It does run an active engineering culture with 29 public open-source
  repositories on GitHub (Thrift and GraphQL tooling), a coordinated vulnerability disclosure program via HackerOne, and SOC
  2 / ISO 27001 security certifications.
url: https://raw.githubusercontent.com/api-evangelist/credit-karma/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- felicis
- founders-fund
- qed-investors
- ribbit-capital
- sv-angel
- tiger-global
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Personal Finance
- Credit Scores
- Credit Monitoring
- Lending
- Consumer Finance
- Insurance
- Banking
image: https://logo.clearbit.com/creditkarma.com
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.creditkarma.com
- type: Support
  url: https://support.creditkarma.com/s
- type: HelpCenter
  url: https://support.creditkarma.com/s
- type: TermsOfService
  url: https://www.creditkarma.com/about/terms
- type: PrivacyPolicy
  url: https://www.intuit.com/privacy/statement/
- type: GitHubOrganization
  url: https://github.com/creditkarma
- type: SecurityTxt
  url: well-known/credit-karma-security.txt
- type: WellKnown
  url: well-known/credit-karma-well-known.yml
- type: DomainSecurity
  url: security/credit-karma-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/credit-karma-vulnerability-disclosure.yml
- type: Security
  url: https://www.creditkarma.com/about/security
- type: TrustCenter
  url: security/credit-karma-trust-center.yml
- type: Compliance
  url: https://www.creditkarma.com/about/security
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Credit Karma

Kin Score

Security Posture 3

Credit Karma Domain Security

Credit Karma Vulnerability Disclosure

Credit Karma Trust Center

Resources