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Biblewoman58

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If I apply for a card on the Credit Karma site, will my credit take a soft or hard inquiry hit

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Submitting a new credit card application results in a hard pull.

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Always expect a "hard inquiry" when applying for credit. It is sometimes a good idea to go to the website of the credit card company and check to see if you are preapproved as that only yields a "soft inquiry". Not all lender's preapproval tool is the best though, so never consider it as a guarantee that you will get the card. You can do some searching online to find which credit card companies have accurate preapproval tools on their website. As far as I know, Capital One, Chase, AMEX are fairly accurate, while Discover is not as well as a few other. You will have to do some further research on this.

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