Credit Karma Credit Karma
Menu
  • Credit Cards
    • Best Credit Cards of 2020
    • Best Balance Transfer Cards
    • Best Reward Cards
    • Best Travel Cards
    • Best Cash Back Cards
    • Best 0% APR Cards
    • Best Business Cards
    • Best Cards for Bad Credit
    • Best Cards for Fair Credit
    • Best Secured Cards
    • Search Credit Cards
  • Loans
    • Personal Loans
    • Home Loans
    • Auto Loans
  • Auto
    • Refinance My Loan
    • Get a New Loan
    • Auto Insurance
  • Home
    • Buy a House
    • Refinance my Loan
    • Home Insurance
    • Real Estate Agents
  • Resources
    • Identity Monitoring
    • Unclaimed Money
    • Reviews
    • Articles
    • Tools
    • Mobile App
    • Blog
    • How it works
  • Tax
  • Savings
  • Login
  • Sign up for free
Brian Spychalski

Brian Spychalski

LinkedIn
Brian Spychalski is a former Credit Karma freelance contributor now based in San Francisco. He has a background in corporate finance and a deep knowledge of the consumer credit market. When he’s not working, Brian can be found globetrotting on another adventure to add to his list of travels.
Young woman with headphones using cell phone, grocery shopping in marketImage: Young woman with headphones using cell phone, grocery shopping in market

The U.S. Bank Cash+™ Visa Signature® Card: Take control...

Customer pays through credit card while looking at barista using card reader in cafeImage: Customer pays through credit card while looking at barista using card reader in cafe

Borrowers feel the pinch as private label retail credit...

Car shoppers look at autos in dealer showroom.Image: Car shoppers look at autos in dealer showroom.

Auto loan delinquency rates climb as Americans amass record...

Woman uses her cellphone outsideImage: Woman uses her cellphone outside

How long do collections stay on your credit reports?

A businessman stands in front of cash machine holding a credit card.Image: A businessman stands in front of cash machine holding a credit card.

Card thieves getting more cunning with skimmers

Happy young couple sitting together on sofa shopping online together using a laptop and credit cardImage: Happy young couple sitting together on sofa shopping online together using a laptop and credit card

Removal of tax liens could mean a jump for...

Store receipt focusing on return policy on red background.Image: Store receipt focusing on return policy on red background.

Stores may punish shoppers for too many returns

Shadowy close-up of bitcoin, ethereal and litecoinImage: Shadowy close-up of bitcoin, ethereal and litecoin

Social networks expand crackdown on cryptocurrency ads

Basketball players battle in First Four round of March MadnessPhoto by Joe Robbins/Stringer/Getty ImagesImage: Basketball players battle in First Four round of March Madness

$10 billion in March Madness bets expected, most illegal

Former Equifax CEO Richard Smith testifies to Senate Banking, housing and Urban Affairs CommitteeMark Wilson/Getty Images News/Getty ImagesImage: Former Equifax CEO Richard Smith testifies to Senate Banking, housing and Urban Affairs Committee

Equifax reveals an additional 2.4 million victims of ’17...

Illustration of map on teal background with travel items, including a passport, a backpack, tickets, magnifying glass and a travel credit card sitting aboveImage: Illustration of map on teal background with travel items, including a passport, a backpack, tickets, magnifying glass and a travel credit card sitting above

Credit Karma Guide to Travel Rewards Credit Cards

how-is-bitcoin-taxedImage: how-is-bitcoin-taxed

How is bitcoin taxed? Here’s what you should know.

Family Checking In At Hotel Reception Smiling because they're paying with their stay using points from their Marriott cardImage: Family Checking In At Hotel Reception Smiling because they're paying with their stay using points from their Marriott card

How to maximize the benefits of the Marriott Rewards®...

Young couple on a fun scooter vacation after learning how to maximize the benefits of The Hyatt Credit CardImage: Young couple on a fun scooter vacation after learning how to maximize the benefits of The Hyatt Credit Card

How to maximize the benefits of The Hyatt Credit...

Young couple taking a selfie on vacation after learning how to maximize the benefits of the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®Image: Young couple taking a selfie on vacation after learning how to maximize the benefits of the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

5 ways to maximize the benefits of the Citi®...

Two young women at an NFL game after using their NFL Extra Points Credit CardImage: Two young women at an NFL game after using their NFL Extra Points Credit Card

NFL Extra Points Credit Card review: Does this cash...

Senior man peering out the window and asking someone on the phone what to do if you're a victim of credit card fraudImage: Senior man peering out the window and asking someone on the phone what to do if you're a victim of credit card fraud

What to do if you’re a victim of credit...

Man leaning against a brick wall and smiling because he just learned surprising facts about credit union credit cardsImage: Man leaning against a brick wall and smiling because he just learned surprising facts about credit union credit cards

4 surprising facts you might not know about credit...

  • facebook social Icon Facebook
  • twitter social Icon Twitter
  • instagram social Icon Instagram
  • Company Info
    • About Credit Karma
    • Careers
    • Engineering Blog
    • Help Center
    • In The News
    • Security Practices
    • Privacy Policy
    • Terms of Service
  • Popular Offers
    • Best Credit Cards
    • Credit Cards for Limited Credit
    • Credit Cards for Poor Credit
    • Credit Cards for Good Credit
    • Personal Loans
    • Auto Insurance
  • Credit Resources
    • Credit and Finance Articles
    • Credit Card Reviews
    • Financial Calculators
    • Credit Karma Blog
  • Notable Links
    • Free Credit Report
    • Free Credit Score
    • Free Credit Monitoring
    • Credit Scores
    • Credit History
    • What is a Good Credit Score?
    • Quick Tips for Your Credit Health
© 2007–2021 Credit Karma, LLC. Credit Karma® is a registered trademark of Credit Karma, LLC. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. This site may be compensated through third party advertisers.
Credit Karma Mortgage, Inc. NMLS ID# 1588622 | Licenses | NMLS Consumer Access
Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access
California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868.
Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748).
Only mortgage activity by Credit Karma Mortgage, LLC., dba Credit Karma is licensed by the State of New York. Credit Karma, Inc. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services.
iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Android is a trademark of Google Inc.
The Equifax logo is a registered trademark owned by Equifax in the United States and other countries.
Credit Karma is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines.
 
Offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on Credit Karma of no greater than 35.99% APR with terms from 61 days to 180 months. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. CREDIT KARMA OFFERS, INC. 1100 Broadway, STE 1800 Oakland, CA 94607 Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access