Credit Karma website screenshot

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, engineering blog, and 15 more developer resources.

🌐 Visit website 📡 Source on GitHub
10.9/100 minimal ▬ flat Agent 7/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
0 APIs 1 MCP Servers
CompanyFintechPersonal FinanceCredit ScoresCredit MonitoringLendingConsumer FinanceInsuranceBanking

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 10.9/100 · minimal
Contract Quality 0.0 / 21
Developer Ergonomics 0.4 / 17
Access Clarity 3.1 / 17
Operational Transparency 0.3 / 11
Contract Governance 0.0 / 10
Discoverability 5.8 / 9
Regulatory Posture 3.6 / 15
Agent readiness — 7/100 · agent aware
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 3 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
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.
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/.
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 →

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 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
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: '0.23'
created: '2026-07-17'
modified: '2026-08-08'
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: 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