How to cancel Credit Karma

Open the Credit Karma app and tap the three lines in the top right corner of the screen.

Select "CK Plus Subscription" from the menu.

Scroll to the bottom of the page and tap "Cancel Subscription".

On the confirmation screen, tap "Done" to finalise the cancellation.

Expect access to continue to the end of the current billing cycle — the terms say cancellation takes effect the day after the last day of the Subscription Period in which you cancel. Your free Credit Karma account, credit scores and monitoring stay active.

If you want money back rather than run-out access, you must contact Member Support to request it (terms §5.3). A full refund is offered within 7 days of your first payment, or a refund of the most recent payment if you are dissatisfied — either one cancels the subscription immediately instead of at period end.

Confirm what you are stopping: the Terms of Service state Credit Karma provides credit scores, reports and monitoring "at no cost to you", so the base membership normally carries no recurring charge. Paid Credit Karma Plus is a separate subscription — cancel that first if you have one.

If you hold Credit Karma Money Save and/or Spend accounts, close them BEFORE cancelling the membership — the cancellation article directs you to the Save and Spend closure articles first.

Download, save or print anything you want to keep. The article warns you will lose access to previous credit scores and TransUnion/Equifax report history, and cannot regain it if you rejoin later.

Open "How do I cancel my membership?" at support.creditkarma.com and use the "Cancel my Credit Karma membership" link in the article, which takes you to the cancellation section inside Credit Karma.

The Terms of Service state you may deactivate your membership at any time without penalty or obligation, so there is no notice window to plan around.

Close these accounts BEFORE cancelling your Credit Karma membership — the membership cancellation article explicitly directs you to do so. They are not independent of the membership.

SPEND — prepare first: withdraw all funds via ACH electronic transfer, instant transfer, or a physical check sent by mail; stop any scheduled transfers into or out of the account; update your direct deposit instructions with your employer or payroll provider (post-closure deposits will fail); and stop any automated payments linked to the account.

SPEND — closing is not self-service: once prep is done you must contact Credit Karma Member Support to complete the closure request. There is no in-product close button for the Spend account.

SAVE — clear blockers first: any pending transfers or open disputes must be resolved before the account can be closed.

SAVE — self-service closure: go to your Credit Karma Money Save account, find the Account Settings page at the bottom of the savings hub, select "Close Savings Account", select "Continue", choose a reason for closing (pick "Something Else" if you would rather not say), then select "Confirm". You will get a confirmation screen and an email.

Do not manually empty a Save account first — closing it automatically transfers any remaining funds and earned interest to your linked external account and cancels scheduled automated deposits. Statements and tax forms remain available after closure.

If self-service closure of the Save account fails, contact support for the alternative route (balance mailed as a check); this requires additional identity verification including name, date of birth, account email, verified phone, last four of your SSN and verified mailing address.

On fees: Credit Karma's Money Spend help article states there are no maintenance fees and no minimum balance requirement, but notes that after two years of inactivity the account is at risk of closure.