If you look at the fine print; the cash is only for people without a credit monitoring service. For most people it will be a few years of credit monitoring; not cash.
Any credit monitoring system. Equifax tried to make it look like you needed to purchase their credit monitoring system. But if you read it carefully they’re asking if you already have a credit monitoring service. They allow you to go on if you say you want the cash instead because they can’t regulate that you will buy their credit monitoring service. So creditkarma geek wallet whatever it is if you’re using it you have a credit monitoring service.