Activate Credit Karma Debit Card

Tap the button below to activate your Credit Karma Debit Card in a few easy steps. You can activate your debit card by following these steps:

• Go to creditkarma.com/activate and log in
• Tap or click Activate Card
• If prompted, enter the last 4 digits of the card. Your card number appears on the back of the card.
• Enter a 4 digit PIN that will be used to access ATMs and purchases
• Confirm your 4 digit PIN by entering the same number again

To keep your account secure, you may receive a notification to confirm your transaction on your account. Be sure to confirm the transaction by signing into the Credit Karma app so you can continue to use your card without disruptions. If this was not you, then sign into the app and tap “not me” for next steps.

You might notice that there’s no place for you to sign on your new debit card. The card does not need a signature in order to be valid and you can begin using it with merchants and at ATMs after activating it on our website.

Can I link my Credit Karma Visa® Debit Card to digital wallets like Apple Pay and Google Pay?

Your Credit Karma Visa® Debit Card is compatible with Apple Pay and Google Pay. See the instructions below to set up your card with your digital wallets below.

Apple Pay

Apple Pay is a mobile payment and digital wallet service by Apple that allows users to make payments in person, in iOS apps, and on the web. It is supported on the iPhone, Apple Watch, iPad and Mac.

To add your debit card to Apple Pay on your mobile device:

1. Open your Credit Karma app
2. Click Credit Karma Money Spend
3. Scroll down to the Cards section and select “Your Debit Cards”
4. Toggle to virtual card screen
5. Select “Add to Apple Wallet”
6. Follow the required steps within the App to add your digital debit card to your Apple Wallet

Google Pay

Google Pay is a mobile payment and digital wallet service by Google that allows users to make payments in person, on Android apps, and on the web. It is supported on Android phones, tablets and watches.

Your Android phone must have the NFC (Near-Field Communication) setting enabled in order to add your debit card to Google Pay. The NFC setting can usually be found in your device settings under the Bluetooth menu. Not all Android phones have this feature available. If your Android phone does not have NFC capability, you will be unable to use a Credit Karma digital debit card.

To add your debit card to Google Pay on your mobile device:

1. Open your Credit Karma app
2. Click Credit Karma Money Spend
3. Scroll down to the cards section and select “Your Debit Cards”
4. Toggle to virtual card screen
5. Select “Add to GPay”
6. Follow the required steps within the App to add your digital debit card to Google Pay

Important information about using your digital debit card

If you have not yet set your debit card PIN, you can still use your Credit Karma Visa® Debit card with your mobile wallet app by asking merchants to process the payment as a credit transaction where you may sign for the payment instead of entering your PIN. Some safety and security measures may limit your daily digital debit card transactions.

If you would like to set up a new digital debit card, please contact us. If you have recently reported unauthorized activity on your card, you’ll be temporarily unable to enroll your card in digital wallet apps for 1-2 statement periods and will need to use your new physical card once it has arrived.

What if I lose my phone or mobile device?

On iOS, you can use the Find My iPhone app to place your device in Lost Mode or you can remotely erase your iPhone. You can continue to use your physical card as usual.

On Android, you can use Find My Device app to lock or remotely erase your device. You can continue to use your physical card as usual.

On a desktop, you can log into your Credit Karma account. Go to the Money tab and click Spend. From there, you can scroll down to settings. On the settings page, you have the option to lock and unlock your card from there as well.

Can I get cash back when I use my debit card to make a purchase?

Getting cash back when making a purchase is a convenient way to access your cash. You can get cash back from merchants depending on their policies and they will count against your card purchase transaction limit. Cash back is available for both physical and virtual debit cards, depending on the individual ATM operator policies.

To review your transaction limits:

1. Access your Credit Karma Money Spend account.*
2. Select Settings.
3. Select Transaction limits & Fees.

Keep in mind:

• You must complete the purchase with your physical or virtual Credit Karma Visa® debit card** in order to qualify for the cash back. You may also use your Credit Karma Visa® debit card via Apple or Google Pay.
• Cash back purchases will count toward your transaction limits.
• You must have enough available funds to complete the transaction or your card may be declined.