Karat

Karat Concierge

Karat Accounts

Karat card

What kind of card is Karat?

How is Karat different from other cards?

Are there really no fees or interest?

What is the Karat card made of?

How much does it cost to have a Karat card?

Where can I use the Karat card?

Can I use the Karat card for purchases that aren't business-related?

Can I get a Karat card if I’m not in the US or I’m not a US resident?

How do the rewards work?

What logo/design is on the card?

What are the start and end dates of the billing cycle?

When is payment due?

General questions about the Karat card

How do I apply for a Karat card?

What information will I need to provide when I apply?

Can I apply without an American bank account?

I'm having issues connecting my bank with Plaid

Applying for a Karat card

Who qualifies for the Karat card?

What are the types of accounts I can link?

How long does a bank account need to be open before I can link it to boost my limit?

How do you determine my limit?

What factors are used to determine my limit?

What types of documents can help increase my limit?

Eligibility, underwriting, and limits

What card colors can I choose from?

Will you send a picture of the design before it ships?

Can I edit my card design?

When, where, and how will my Karat card arrive?

Will you send tracking information when my card ships?

How do I activate my Karat card?

Customization, shipping, and activation

How does Karat's rewards program work?

Can I change my rewards?

I bought a few different items from a store—some are within my rewards categories and some aren’t. Can I be rewarded for the items that are within my categories?

I have a purchase that wasn't rewarded—can this be fixed?

How do I redeem my rewards?

Why was a purchase that fell within one of my categories not rewarded?

Rewards

Your Karat Card account

How do I log into my Karat account?

Where can I find my account details?

Can I deactivate and reactivate cards?

How do I set and adjust limits on my Karat cards?

How do I update my personal information?

I can't log in—how do I reset my password?

How do I change my password?

My business has filed for bankruptcy

General questions about your Karat account

What are the figures at the top of my transactions page?

Where can I pull a transaction report?

What do the different statuses mean in my transaction list?

Transactions

I'm having issues connecting my bank via Plaid—what should I do?

How do I change my linked bank for payment?

What's the difference between Plaid and ACH?

Instructions to link bank accounts and credit cards to Plaid

Can I add multiple bank accounts?

Connected banks

How do I increase my limit?

How does Karat determine spend limits?

Credit limits

How do I refer someone to Karat?

What is needed from my referrals to credit my account?

Is there a limit to the number of referrals I can make?

What do I earn when I refer people?

Referrals

Are there penalties or fees for a late payment?

Is there a grace period?

Can I change my payment due date?

How do I reschedule a payment?

How do I pay my bill early?

Find answers to all your billing and payment questions

Billing and payment

How do I dispute a transaction?

Does Karat offer purchase protection?

Does Karat offer chargebacks?

When, where, and how to dispute transactions

Disputes

There's fraudulent activity on my account

My card was lost or stolen

What to do when your card gets in the wrong hands

Fraud and theft

I'm expecting a refund but the card I used has been deactivated. Will I still get the refund?

A refund is taking longer than expected—should I reach out to Karat or the merchant?

I'm waiting for a hotel to release the hold on my card—how long does this take?

Holds and refunds

How to integrate Karat with QuickBooks

Karat + QuickBooks Self-Employed

Karat + QuickBooks Online

Learn how to integrate Karat with QuickBooks

Data exports and QuickBooks

What is the interest rate?

If I pay my bill after the due date, are there late fees?

Fees

Can I use my card outside of the US?

Are there fees for international use?

Should I give Karat a heads-up before I travel?

Travel and international use

Will Karat see my banking information?

What if my bank isn't compatible with Plaid?

What is Plaid?

Security and privacy

Find answers and get help from Intercom Support and Community Experts

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