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Once your application is approved, we’ll begin preparing your card for shipment. You can track each stage of the process, from production through delivery, and you’ll receive email updates along the way. Virtual cards for both Banking and the Karat Card are available instantly and can be used immediately after issuance. The information below applies to physical cards only.

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Banking Cards

Banking Cards are standard business cards connected to your checking account. Once issued, physical Banking Cards are shipped to the address on file. Delivery timelines may vary slightly depending on processing time and holidays.

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Karat Card

The Karat Card is made of stainless steel and is available in black or white. By default, you’ll receive a white metal Karat Card when your account is approved. This card ships automatically to the mailing address on your account: no additional steps are required. If you’d like to customize your card with a logo or design, you can submit one through your dashboard. Our team will review the submission, and once approved, your card will be laser-engraved with the custom design. If a custom design is still pending review when your card is issued, you’ll receive the default white metal card first and can request a replacement after your design is approved. Karat Cards typically arrive within 8 to 10 business days after your account is approved. Shipping timelines may vary depending on production volume or holidays.

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Tracking your shipment

After your physical card enters production, you’ll receive email notifications at key stages:
  • Card shipped: your card has left the production facility and is on its way. This email includes your estimated delivery date.
  • Card delivered: your card has arrived at the address on file.
You can also follow your card directly from your dashboard. Open the card in Charge Card > Cards (or Banking > Cards for a Banking Card) to see shipment details, including:
  • Carrier: the shipping carrier handling delivery
  • Tracking number: use this to follow the package on the carrier’s site
  • Estimated delivery date
  • Shipping address: the address the card is being sent to
The status pill on each card in Charge Card > Cards shows the shipment stage of a physical card (Pending shipment, Shipped, or Delivered) until the card is activated. If your card is returned or delivery fails, please reach out to us.

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Shipping address

Your card is shipped to the mailing address on your account. Make sure this is a valid physical U.S. address. P.O. boxes are not supported for card delivery. To update your mailing address before a card ships, go to Settings in your dashboard.

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Activating your card

Virtual cards are active as soon as they are issued and don’t require this step. Physical cards must be activated from your dashboard once they arrive. To activate a delivered physical Karat Card:
  1. Open your dashboard and go to Charge Card > Cards.
  2. Find the delivered card in the list and click Activate.
  3. In the dialog that appears, enter the last 4 digits printed on the card as proof of possession.
  4. Confirm to activate the card.
Once activated, your card is ready for purchases and the last 4 digits are marked as verified on the card details. If you enter the wrong last 4 digits several times in a row, activation attempts are temporarily locked for that card as a security precaution: wait a short period and try again, or contact our concierge team if you need help. You can confirm your card’s status in the appropriate section of your dashboard:
  • Banking > Cards for the Banking Card
  • Charge Card > Cards for the Karat Card
Karat is a fintech company, not an FDIC-insured bank. Banking and Card services provided by Grasshopper Bank, N.A., First Internet Bank of Indiana, and Cross River Bank, Members FDIC.