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Karat cardholders earn points on eligible purchases, redeemable for statement credits, merchandise, billboards, and more. Points don’t expire. Every dollar spent on a settled eligible purchase earns at least 1 point, and your rate increases based on your rewards program. Karat currently offers two rewards programs: Standard Card and Max Card. Foreign transactions do not earn rewards. This includes purchases processed outside of the U.S. or transactions made in a foreign currency, even if the merchant is based in the U.S.