Credit Karma Credit Karma
Menu
  • Credit Cards
    • Shop Credit Cards
    • Balance Transfer Cards
    • Reward Cards
    • Travel Cards
    • Cash Back Cards
    • 0% APR Cards
    • Business Cards
    • Cards for Bad Credit
    • Cards for Fair Credit
    • 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
Louis DeNicola, Credit Karma contributing writer

Louis DeNicola

Twitter LinkedIn
Louis DeNicola is a personal finance writer and has written for American Express, Discover and Nova Credit. In addition to being a contributing writer at Credit Karma, you can find his work on Business Insider, Cheapism, Daily Finance and MSN Money. When he’s not revising his budget spreadsheet or looking for the latest and greatest rewards credit card, you might spot Louis at the rock climbing gym in Oakland, California.
Customer withdrawing money at a bank counterImage: Customer withdrawing money at a bank counter

What are common types of banks, and which is...
Client and bank employee talking by counterImage: Client and bank employee talking by counter

How do banks make money?
Coffee shop owner working on laptopImage: Coffee shop owner working on laptop

Ramp Card review: Earn rewards and save time
Pregnant woman sitting at home, looking up medical debt consolidation on a digital tabletImage: Pregnant woman sitting at home, looking up medical debt consolidation on a digital tablet

Medical debt consolidation: Is it a good idea for...
Friends sitting around a table at a restaurant, sharing appetizers and using their dining rewards program to maximize pointsImage: Friends sitting around a table at a restaurant, sharing appetizers and using their dining rewards program to maximize points

Maximize your rewards with dining rewards programs
Vector drawing of a hand pointing at the best balance transfer card of 2017Image: Vector drawing of a hand pointing at the best balance transfer card of 2017

The best balance transfer cards of 2021
Laughing young girlfriends in sunglasses traveling in a carImage: Laughing young girlfriends in sunglasses traveling in a car

Buying your first car: A guide
Two friends traveling abroad taking a selfieImage: Two friends traveling abroad taking a selfie

Best credit cards with an annual fee
Young Millennial Asian woman shopping online with a laptop and a credit cardImage: Young Millennial Asian woman shopping online with a laptop and a credit card

Can I make a car down payment with a...
Man and woman reading brochure at car dealershipImage: Man and woman reading brochure at car dealership

How to get the best deal on a car
Young couple at car dealership discussing dealer fees with sales personImage: Young couple at car dealership discussing dealer fees with sales person

Dealer fees you should know when buying a car
Smiling woman sitting with a cup of coffeeImage: Smiling woman sitting with a cup of coffee

Regions Bank personal loan review: Several loan options to...
Woman sitting at a table, listening to her friend talkImage: Woman sitting at a table, listening to her friend talk

A personal loan after bankruptcy: Is it possible?
Mother and adult daughter having coffee at a sidewalk cafeImage: Mother and adult daughter having coffee at a sidewalk cafe

Citi Rewards+® Card review: Will the ‘Round Up’ feature...
Parents and son washing their car in their drivewayImage: Parents and son washing their car in their driveway

Should I buy a new or used car?
Woman relaxing in a chair and buying something online with her phoneImage: Woman relaxing in a chair and buying something online with her phone

Amazon Prime Rewards Visa Signature Card: Is it the...
Mother and daughter paying at grocery store checkoutImage: Mother and daughter paying at grocery store checkout

Can you get cash back from a credit card?
Focused businessman working at laptop in conference roomImage: Focused businessman working at laptop in conference room

How do the credit bureaus make money?
Young man using credit card and laptopImage: Young man using credit card and laptop

Creditworthiness is in the eye of the lender. What...
An illustrated hand dropping bitcoinImage: An illustrated hand dropping bitcoin

U.S. investors lost $1.7 billion after selling bitcoin, but...
African-American volunteer for the Taxpayer Advocate Service sitting at a desk advising a young white couple on their tax issue with the IRS.Image: African-American volunteer for the Taxpayer Advocate Service sitting at a desk advising a young white couple on their tax issue with the IRS.

What is the Taxpayer Advocate Service and can it...
Shot of a group of businesspeople sitting together in a meetingImage: Shot of a group of businesspeople sitting together in a meeting

How to build a credit-scoring model with big data
A businesswoman uses a laptop.Image: A businesswoman uses a laptop.

The best password managers
Businessman working with laptop computer and digital tablet and smart phoneImage: Businessman working with laptop computer and digital tablet and smart phone

Alternative credit-evaluation methods and what they mean for you
American soldiers serving in the desert, eligible for combat zone tax exclusion on the federal income taxes.Image: American soldiers serving in the desert, eligible for combat zone tax exclusion on the federal income taxes.

Military tax tips: Learn about the Combat Zone Tax...
Young business woman trying to choose the best Wells Fargo business cardImage: Young business woman trying to choose the best Wells Fargo business card

Wells Fargo Business Secured Credit Card vs. Wells Fargo...
Smiling young woman with credit card and laptop learning about balance transfers in dining roomImage: Smiling young woman with credit card and laptop learning about balance transfers in dining room

What is a balance transfer?
Group of friends thinking about why there are so many credit scoresImage: Group of friends thinking about why there are so many credit scores

Why are there so many different credit scores?
Man sorting mail and wondering how to remove late paymentsImage: Man sorting mail and wondering how to remove late payments

How to remove late payments from your credit reports
what-is-revolving-creditImage: what-is-revolving-credit

What is revolving credit?
Vacationing couple enjoy benefits of the Frontier Airlines World MastercardImage: Vacationing couple enjoy benefits of the Frontier Airlines World Mastercard

Frontier Airlines World Mastercard® review
A woman sits on her living room floor and researches on her laptop how to remove a hard inquiryImage: A woman sits on her living room floor and researches on her laptop how to remove a hard inquiry

Can you remove hard inquiries from your credit reports?
Smiling father using mobile phone to take selfie with daughter. He is prone to go into unnecessary debt for his children to give them the life he never had.Image: Smiling father using mobile phone to take selfie with daughter. He is prone to go into unnecessary debt for his children to give them the life he never had.

More than 50% of parents go into unnecessary debt...
best-capital-one-spark-business-credit-cardImage: best-capital-one-spark-business-credit-card

The best Capital One® Spark® business credit cards
Young disabled woman sitting on couch with her boyfriend and reading about how tax reform affects ABLE accounts.Image: Young disabled woman sitting on couch with her boyfriend and reading about how tax reform affects ABLE accounts.

ABLE accounts: How tax reform improved accounts to pay...
Customers buying groceries in supermarketImage: Customers buying groceries in supermarket

Blue Cash Everyday® Card from American Express vs. Blue...
Page 1 Page 2 Page 3
  • facebook social Icon Facebook
  • twitter social Icon Twitter
  • instagram social Icon Instagram
Download Credit Karma on the Google Play Store Download Credit Karma on the Apple Store
  • 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
Digicert Certificate
© 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 Department of Financial Protection and Innovation 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. If you have specific questions about the accessibility of this site, or need assistance with using this site, contact us.
Please call Member Support at 833-675-0553 or email legal@creditkarma.com or mail at Credit Karma, LLC, P.O. Box 30963, Oakland, CA 94604
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