How to redeem rewards

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Navigating the rewards page

The rewards page is organized into three tabs:

• Overview: View your redeemable and pending points and reward history
• Rewards Shop: Browse and redeem available rewards, including statement credits
• Referral Program: Share your referral link, send invitations, and track referral status and points earned from successful referrals

To access the rewards page, go to Charge Card > Rewards in your dashboard.

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Redeeming rewards

1. Open the rewards shop. Navigate to Charge Card > Rewards and select the Rewards Shop tab. You will see a grid of available reward items.
2. Select a reward. Click any reward card to open a details panel on the right side of the screen. Here you can view images, a description of the reward, and how many points are required.
3. Redeem. If you have enough points, click Redeem to confirm. A success screen confirms your redemption and shows your updated points balance.

Earned rewards do not expire.

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Redeeming statement credits

Statement credits let you apply points directly to your Karat Card balance.

1. Select the statement credit reward. In the Rewards Shop, click the statement credit reward card to open the details panel.
2. Enter a custom amount. Type the number of points you want to redeem. The panel shows your available points and the equivalent dollar amount in real time.
3. Confirm. Click Redeem to apply the credit. Statement credits are automatically applied to your Karat Card balance.

_{Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA.}