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 Score, and Credit Monitoring.

Credit Karma’s developer surface includes support, engineering blog, and 16 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

15.9/100 emerging ▲ 6.3 Agent 2/100 human only Front door AI 1/6 silent Heartbeat 39/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs 1 MCP Servers

Company Fintech Personal Finance Credit Score Credit Monitoring Lending Consumer Finance Insurance Banking

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 15.9/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 6.3 / 17

Operational Transparency 1.5 / 11

Contract Governance 0.0 / 10

Discoverability 4.7 / 9

Regulatory Posture 3.3 / 15

Agent readiness — 2/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 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 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 2.4 — up to +19.5 composite points
Access Clarity scores 36.8 — up to +12.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/credit-karma/apis.yml: open an issue on github.com/api-evangelist/credit-karma to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	distribution	9.6 (thin)	-	1

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (platform)

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Credit Karma MCP Server

Community MCP server for Credit Karma — natural-language access to transactions, spending, and accounts. Unofficial.

MCP SERVER

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Credit Karma Domain Security

TLSv1.3 · DMARC

SECURITY

Credit Karma Vulnerability Disclosure

Hackerone · security.txt · contact published

SECURITY

Credit Karma Trust Center

SOC 2, ISO 27001

SECURITY

Resources

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

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 3

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Fintech
- Personal Finance
- Credit Score
- Credit Monitoring
- Lending
- Consumer Finance
- Insurance
- Banking
tags_raw:
- 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:
- url: https://www.creditkarma.com/feed
  type: BlogRSS
- type: MCPServer
  url: mcp/credit-karma-mcp.yml
- 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
- type: Blog
  url: https://www.creditkarma.com/insights
- type: Packages
  url: packages/credit-karma-packages.yml
- type: LLMsTxt
  url: llms/credit-karma-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence
x-merged-from:
- creditkarma
x-parent: intuit

Credit Karma API — frequently asked questions

Does Credit Karma have an MCP server?

Yes. APIs.io lists 1 MCP server for Credit Karma: Community MCP server for Credit Karma — natural-language access to transactions, spending, and accounts. Unofficial.

Is the Credit Karma API ready for AI agents?

Credit Karma has a Kin Score of 15.9 out of 100 (emerging) and an Agent Readiness score of 2.2 (human-only), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

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