Max Card members earn 3x points on all spend, with no categories to manage. Your balance is repaid automatically every day via Karat Banking autopay.
Karat Max card rewards is currently invite-only. Contact us to learn more.
Reward rates
Your rate depends on whether daily autopay runs successfully:
| Daily autopay status | Rate |
|---|
| Paid via Karat Banking | 3x |
| Paid via external bank | 2x |
| Daily repayment failed | 0x |
Pending vs. redeemable points
Rewards are earned on settled transactions, pulled daily. Points appear as pending for up to 30 days before becoming redeemable. In your rewards dashboard you will see redeemable points and pending points (earned but not yet redeemable).
Setting up autopay accounts
When you activate Karat Max, you set up two autopay accounts in a guided flow:
- Primary autopay account — the account used for daily repayment. Set this to your Karat Banking account to earn 3x rewards.
- Backup autopay account — a fallback account that kicks in when your primary account has insufficient funds. Using a backup external bank earns 2x on that day’s spend.
You can configure both accounts from the Karat Max section of your rewards page. Select a bank from the list, then choose which account to use for each role.
Pre-selecting Karat Banking before approval
If you’ve applied for Karat Banking but haven’t been approved yet, you can still pre-select it as your primary autopay account during setup. Once your application is approved, Karat Banking will automatically be set as your primary autopay account. Until then, daily repayment runs from your backup account.
Karat Banking and the 3x rate
To earn the full 3x, your daily autopay must pull from your Karat Banking account. If your Karat Banking balance is insufficient on a given day, repayment will pull from your backup account instead, and you will earn 2x on that day’s spend.
Funding deposits to Karat Banking take several business days to clear, so make sure your account is funded before daily autopay begins.
Grace period
When you first opt in, you have a 7-day window to fund your Karat Banking account and set it as your autopay account. You will still earn your full reward rate during this time, as long as daily repayment runs successfully from your external bank account.
Failed payments
If autopay does not process successfully, you will earn 0x on that day’s settled spend.
If your balance remains unpaid at the start of the following month, your account may be subject to card restrictions, deferred payment fees, and collections activity. See What happens if I don’t repay my balance for full details.
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. .svg?fit=max&auto=format&n=pUJV8HLlqxn-6T3g&q=85&s=040ceb56d48a4dec82a6093c659b88da)
