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Introducing the Karma Guarantee.1 Confidence that pays off.

If you aren’t approved for a credit card offer with the Karma Guarantee, we’ll send $50 your way.

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Get approved or get $50.

We’re so confident in our technology, we’re putting our money where our mouth is. Compare a mix of offers  based on your credit profile– if you apply for one marked with the Karma Guarantee and aren’t approved, we pay you $50.

Karma Guarantee in 1, 2, 3.

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Look for offers with the Karma Guarantee badge.

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See one you like? Dig into the terms and tap apply.

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If you don’t get a “yes,” you’ll still get $50.1 Win-win.

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It’s not good luck. It’s the Karma Guarantee.

Over 50% of all credit card applications get declined.2 But now you can apply with more confidence with the Karma Guarantee.

The Karma Guarantee1 is only available on some offers right now. Don’t see any offers with the Karma Guarantee? Keep checking back for updates.

Terms and conditions apply. Not a guarantee of approval. For cards with the Karma Guarantee badge, if you’re not approved, you can receive a payment from Credit Karma. Full Terms here.


Common Questions

Which offers have the Karma Guarantee?

The Karma Guarantee is only available on some credit card offers right now, so not all Credit Karma members will see offers with the Karma Guarantee. Look for the Karma Guarantee badge to spot applicable offers.

How do I know if I am eligible for a payment?

You will receive an email notification from us if you are eligible for a Karma Guarantee payment. Some exclusions do apply– for example, Credit Karma members aren’t eligible for the Karma Guarantee if they’ve already been declined for an offer with the Karma Guarantee in the past 90 days.

How do I get my money?

If you’re eligible and have a Credit Karma MoneyTM Spend3 account, we will put the payment in that Spend account within 60 days of being declined, unless your account is not open or it is locked at time of payout. If your account is not open or it is locked at time of payout, you will receive an email where you can receive your payment as a prepaid card or gift card through Credit Karma’s trusted fulfillment partner.

If eligible and you do not already have a Spend account, we will send you an email where you can choose to: (a) open a Spend account where we will deposit the money, or (b) receive your payment as a prepaid card or gift card through Credit Karma’s trusted fulfillment partner. You must open a Spend account or choose to receive the payment as a gift card within 90 days of when the email was sent.


1 A Karma Guarantee that you see on a credit card offer on Credit Karma means that if you are declined by the applicable lender for that credit card, you can receive a payment from Credit Karma (“Cards Karma Guarantee”). It is not a guarantee of approval for any credit card offer. Only the lending partner can make the credit approval.

To be eligible, you must:

By applying for this credit card offer, you consent to the lender sharing its credit decision with Credit Karma in order to fulfill the Cards Karma Guarantee.

In order to receive payment, you must have a Credit Karma account. If eligible and you have a Credit Karma Money Spend account, we will put your Cards Karma Guarantee payment in that Spend account within 60 days of being declined, unless the account is not open or it is locked at time of payout. If eligible and you do not already have a Spend account, we will send you an email where you can choose to: (a) open a Spend account where we will deposit the payment, or (b) receive the payment as a prepaid card or gift card. You must open a Spend account or choose to receive the payment as a prepaid card or gift card within 90 days of when the email was sent. The value of the payment may be reported on an applicable IRS form.

Sponsored and managed by Credit Karma, LLC, not the lending partner. Not Transferable. Credit Karma is solely responsible for Cards Karma Guarantee fulfillment, and the lending partner is not responsible in any way for the Cards Karma Guarantee. Credit Karma reserves the right to modify, cancel, or limit this promotion at any time.

2 Based on national average approval rates for general purpose credit cards from 2020 according to the Consumer Financial Protection Bureau’s 2021 Consumer Credit Card Market Report.


3Banking services for Credit Karma Money Spend provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Credit cards and the Cards Karma Guarantee are not provided by MVB Bank.