Credit Karma

Credit Karma provides free credit scores, credit monitoring, and personalized financial product recommendations powered by AI. It analyzes your credit profile and spending patterns to suggest credit cards, loans, insurance, and savings accounts that match your situation. The platform also includes free tax filing through Credit Karma Tax (now Cash App Taxes), identity monitoring, and spending insights. The AI-driven recommendations are how Credit Karma makes money — it earns referral fees when you apply for products through the platform. Credit Karma is genuinely useful for understanding your financial health and getting free credit monitoring. The recommendations are generally relevant, though you should always compare offers independently. It is best for individuals managing personal finances rather than business use.