Karat Card
FAQs about the Karat Card
What kind of card is Karat?
What is the Karat card made of?
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?
Rewards
How Karat rewards work
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?
Your Karat Card account
Get help with your Karat account
Billing and payment
Find answers to all your billing and payment questions
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?
Disputes
When, where, and how to dispute transactions
How do I dispute a transaction?
Does Karat offer purchase protection?
Does Karat offer chargebacks?
Fraud and theft
What to do when your card gets in the wrong hands
There's fraudulent activity on my account
My card was lost or stolenMy card was lost or stolen
Holds and refunds
The ins and outs of holds and refunds
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?
Security and privacy
How we keep your info secure
What if my bank isn't compatible with Plaid?
What is Plaid?