You'll get your Refund Advance funds typically within 15 minutes of the IRS accepting your e-filed tax return (estimated late January).
You'll receive an email when your Refund Advance funds are available to spend. You'll receive a physical card in the mail in 7-14 days. While you wait, you can spend your Refund Advance funds via the Credit Karma mobile app. Visit this article to download the app and visit this article to link your Credit Karma Visa® Debit Card to digital wallets like Apple Pay and Google Pay.
Your remaining federal and entire state refund (minus any agreed upon fees) will be deposited to your Credit Karma Money Spend account when the IRS or state tax authorities distribute your refund (usually within 21 days from IRS acceptance).