How Does Credit Karma Make Money?

How CreditKarma Makes Money made around $1 B in revenue in 2019 without giving loans, mortgages, and without issuing credit cards.

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How does Credit Karma make money?

This is the question that many people ask when they know how much CreditKarma makes money every year.

And that’s an important question, because if you learn how they make money in the financial market without giving loans or issuing cards, then you probably can make money the same way and without a big investment.

You are in the right place!

I will explain in this 5-min. article how the Credit Karma business model works, and at the end of this article, I will tell you about the place that I personally joined few years ago in order to learn making money with a very similar model without prior experience.


Without further ado, let’s begin!

How Does Credit Karma Make Money?

Credit Karma makes money by referring people who are looking for loans, mortgages, and credit cards, to the companies that provide these services, in exchange of a commission on every prospect or customer they bring.

And the commission that Credit Karma gets on every prospect depends on the service, the provider, the country where the service is provided, and some other factors.

They could get a $20 commission, a $50 commission, or even more for every prospect or customer that they bring to the company offering the service.

To make this easier, let’s take this example from one of the pages on that is titled: “Best Credit Cards of August 2020”

They list a good number of the available credit cards that they readers can apply for.

CreditKarma Affiliate Business Model

And when someone clicks the “Apply Now” button, they will be redirected to the website of the company or bank that issues that card through a unique (affiliate) link, which has a ID that tells that credit card issuer that this person came from Affiliate Links

And if that person filled in the application for the card, then the affiliate, CreditKarma, will get a commission from that issuing company or bank.

And this is a legitimate way of making money online, and it is called CPA Affiliate Marketing.

And this is one of the ways how Experian makes money.

And now to the important question:

Can You Make Money with The Credit Karma Business Model?

Sure. You can make money with the same business model of

I personally make the most of my income with affiliate marketing.

This is one of the popular methods of making money online, and many businesses and individuals make money with it, especially that it doesn’t cost a lot of money to get started with it, and it is a beginner-friendly method that you can start without a prior experience or technical knowledge.

Another thing, you can make money with the same business model of CreditKarma in almost any industry, and not only in the financial industry.

Some examples of these industries are:

  • Hobbies: Magic tricks, singing, playing guitar, …etc.
  • Sports: Basketball, soccer, tennis, body building, …etc.
  • Art: Pencil drawing, painting, writing songs, …etc.
  • Passion and causes: Yoga, dieting, cooking, veganism, …etc.
  • Professions and Skills: Maintenance, graphic design, programming, …etc.

And more.

For example, I have an affiliate business that makes me money like Credit Karma in the dieting niche where I promote a software that creates a custom personalized diet meal plan for its users based on their gender, body, activity, food preferences, and more.

Sites That Make Money Like CreditKarma

And when someone buys a custom plan through that software, I get a commission of $26 from the company that sells that software.

You don’t have to go into the finance-related industries in order to make money with the business model, that’s just an option.


If you liked the idea of making money with the CreditKarma business model, and you want to do it but you have no idea how to start, then the following section is for you.


Start a Website Like in 3 Steps

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1 – Choose Your Niche (Audience)

Choosing a niche for affiliate marketing or any other business is important for succeeding and making money.

By focusing on a specific group of people, you can become more experienced, and you can make your efforts more efficient and start making money on consistent basis.

That’s how CreditKarma makes money, by focusing on the people who need loans, mortgages, and credit cards.

And through this specialization, they became the trusted website that people go to when they need any of these services.

And you should do the same in order to succeed with affiliate marketing.

And again, you don’t have to go in the financial-related niches, but you can go into a niche related to a hobby, a sport, a passion, a profession, and more.

And even if you go to a niche in the financial industry, you don’t have to start as big as Credit Karma in order to make money with the same model, buy you can specialize in a certain sub-niche such as credit cards alone, mortgages alone, or you can make your niche about retirees who need a group of financial services.


2 – Start a Simple WP Affiliate Site

Starting a WordPress affiliate website is easier than ever, and it doesn’t require any previous experience or coding.

I personally started many affiliate sites over the years without any technical knowledge thanks to the tools and services available, which I will reveal to you in the following section in this article.

But you need the website because you need a place to bring your audience and show them your promotions.

That’s the core of your business and the asset that you can build upon and grow more in the future.


3 – Start Helping Your Audience Like Does

It’s all about helping others solve their problems and improve their lives.

That’s how you can make money.

Credit Karma, for example, help their audience find the best deals on credit cards, loans, and mortgages, and that’s why their audience take by their recommendations and then CreditKarma makes money.

And you need to do the same by helping your audience on your website, and through the process, you offer them the best services and products that can help them.

For example, if you make your website about retirees who need financial services, then your audience might ask on Google stuff like:

  • Personal finance for retirees
  • Bridging finance for retirees
  • Car finance for retirees
  • Best personal finance books for retirees
  • Mortgage refinance for retirees
  • Cash out refinance for retirees

And so on.

Create a Website Like Credit Karma

And for each of these questions, you would create a helpful article on your site, where you answer the question being asked, and you would be recommending the best services that your audience need such as car finance companies or mortgage refinance providers.

And when you recommend any company, you can link to their website through an affiliate link that can be tracked in order to credit you for a commission if someone takes by your recommendation and becomes a prospect or customer to that company.

Here are some examples of the refinance offers that you can promote as an affiliate, and how much you can earn from each offer on every prospect or customer that you bring.

Offers to Promote Like Credit Karma

So, with these three steps, you now know how you can make money like Credit Karma, even at very low investment and without technical knowledge.

And if you liked the process, and want to start a business like CreditKarma in order to generate income online with the same model, but you need someone to take you by the hand in every step that you make, then the following section is for you.

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A Step-by-Step Plan for Starting Your Mini-CreditKarma Business?


The plan I will tell you about, is the same step-by-step plan that I followed when I started my first affiliate marketing business, which now makes me the most of my income.

And the place where I found this plan is an online platform and community that is called Wealthy Affiliate.

This plan is provided as part of a complete package that helped my with every thing I need to start and grow my affiliate business, such as:

  • The step-by-step affiliate training on how to apply the plan.
  • The research affiliate tools for finding opportunities to make money like
  • The content planning and creation tools to make my efforts more efficient.
  • The easy website builder and the premium web hosting so that I don’t care about the technical stuff at all.
  • Most important, the amazing and supportive community of 2 million entrepreneurs and experts that are willing to help you whenever you need help.

And much more.

And all of that for an affordable monthly fee that covers everything without upsells and hidden fees.

Even better, this platform offers a free plan for you to try it and get the first level of the training (10 lessons) before paying for anything.

Learn to Make Money Like CreditKarma

If you are serious about making money like, then check out this review of Wealthy Affiliate to learn more about how they can help you and how you can start with the free plan at first.



I hope this article helped you in understanding how Credit Karma makes money online, and how you personally can make money the same way.

If you are interested in starting a business that earns you money like makes to its owners, then the platform I mentioned in the previous section is the place to go.

And if you still have a question about the Credit Karma business model or about anything I mentioned here, then please, leave it in the comments’ section below and I will be happy to help you out 🙂

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