Is Credit Karma a fairly accurate credit tracking app? Also, those credit card offers they provide, are those a good option or will they do more damage to my credit score than good?

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Directionally correct, but not accurate. All the free credit reporting offered by Credit Karma, Chase, Cap One, etc typically use Vantage score, which is not used anywhere. For reference, my Vantage score was like 50 higher than my "real" scores a few years back, and now it is 50 lower. You need to reference Experian, Equifax, Transunion for accurate score.

I would not rely on their card suggestions. Do your own research for cards that make sense for your spending/travel habits.

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I get Experian and Transunion on Credit Karma, only Vanguard on Chase.

Other than relying on the Vantage score, it's decent for viewing my credit details. The credit card offers are typically ones you qualify for, but keep in mind that Credit Karma gets a referral commission, so it's not completely unbiased.

^this

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