Cleo vs Credit Karma
Cleo vs Credit Karma, compared side by side on 15 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: Cleo is on 57/100 and Credit Karma on 65/100.
Where each one leads
Cleo
Leads on none of the measures we hold for both companies.
Credit Karma
- our overall score: 65/100 against 57/100
- agent readiness: 47/100 against 41/100
- domain rating: 84/100 against 71/100
- funding raised: $893M against $178M
At a glance
| Measure | Cleo | Credit Karma |
|---|---|---|
| What it is | AI financial assistant for younger generations to manage money with personality. | A free personal finance platform offering credit scores, reports, monitoring, and personalized financial product recommendations. |
| Category | Fintech, Consumer App, AI Chatbot, Conversational AI | Fintech, Personal Finance, Credit Monitoring, Financial Education |
| Sells toBusiness model | B2C | B2C |
| Offering | Software | platform | Platform |
| Founded | 2016 | 2007 |
| Headquarters | London, United Kingdom | Oakland, United States |
| Status | Active | Active |
Size, funding and growth
| Measure | Cleo | Credit Karma |
|---|---|---|
| Employees | 656 | Not published |
| Total funding | $178M | $893M |
| Latest round | Convertible Note | Not published |
| Valuation | Not published | $7.1B |
| LinkedIn followers | 67,712 | Not published |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Cleo | Credit Karma |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 57/100 | 65/100 |
| Traction | 60/100 | 40/100 |
| Team | 60/100 | 70/100 |
| Community | 8/100 | Not published |
| Search visibility | 37/100 | 14/100 |
| Quality | 58/100 | 86/100 |
| Agent readinessHow well an AI agent can read and act on the site | D (41/100) | D (47/100) |
| Domain ratingLink authority, 0-100 | 71/100 | 84/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Cleo | Credit Karma |
|---|---|---|
| Hosting | Not detected | Azure |
| CDN | Cloudflare | Not detected |
| Frameworks | Not detected | Jquery |
Cleo vs Credit Karma: common questions
Which is better, Cleo or Credit Karma?
On our 0-100 score Credit Karma rates higher (65/100 against 57/100). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 15 data points above: read the rows that match what you are buying for.
How do Cleo and Credit Karma compare on the numbers?
Credit Karma leads on our overall score (65/100 against 57/100), agent readiness (47/100 against 41/100), domain rating (84/100 against 71/100), funding raised ($893M against $178M).
Read the full Cleo review and pricing or the Credit Karma review and pricing. You can also browse other Cleo alternatives we track.