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On the flip side, a credit card uses a line of credit that you’re borrowing from. Log into your Credit Karma account on your computer or mobile device. You can download the Credit Karma mobile app using the following links: On the App Store for iOS On Google Play for Android Navigate to your Spend home screen. Under debit card status Select Activate card. Enter the last 4 digits of the card.Credit Karma Money Save; Current balance is the amount of money in your account that includes holds and pending transactions. This is different from your …Create a Credit Karma account if you don’t already have one. Go to the home screen of Credit Karma Money Spend after logging into your account. Check your personal information. If it looks correct, click “Confirm.” Alternatively, you can update or change your personal information if it’s incorrect.Apr 13, 2023 · Credit Karma Money Spend is a free to open checking account, with no monthly fees or minimum balance requirements. 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