The terms of the loan require you to use a credit karma card. If the loan was offered to you and you want to accept the loan, you agree to the credit karma card. If you do not want to agree to the credit karma card then do not take the loan offer.
https://turbotax.intuit.com/refund-advance/
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**