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You can request a credit limit increase directly from your Karat Card dashboard. The process walks you through three steps: reviewing your connected bank accounts, setting your target limit, and submitting for review.

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How to request a limit increase

  1. Go to Credit Card > Cards and select Request New Spending Limit
  2. Review the overview of what the process involves, then select Review my banks
  3. Review your connected bank accounts. You can add new bank connections or refresh any that are expired or outdated. When you’re ready, select Continue
  4. Enter the monthly spending limit you’d like to request, then select Submit request
After submitting, you’ll receive a confirmation that your request has been received. A decision is typically available in your dashboard within 3 to 5 business days.
Connecting more bank accounts through Plaid gives our team more financial data to work with, which can increase the likelihood that your request is approved. If your revenue flows through multiple accounts, consider linking them all before submitting.

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Why you’re asked to review bank connections

As part of the limit increase request, you’re prompted to review and manage your connected bank accounts. This step helps ensure our underwriting team has access to current financial data when evaluating your request. During this step, you can:
  • View all currently connected banks and accounts
  • Add a new bank connection through Plaid
  • Refresh a connection that has expired or become outdated
You can also manage your bank connections at any time under Settings > Connections. For more details, see Manage connected bank accounts and social accounts.

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When limit increase requests may be restricted

Limit increase requests are subject to eligibility requirements and may not always be available. You may be unable to submit a request if:
  • You have submitted a limit increase request or received a limit adjustment within the past two months
  • You have an unacknowledged account notification
  • Your account has a past-due balance
  • You have an inactive card
To improve eligibility for future increases, ensure all relevant bank accounts are connected and maintain consistent, on-time repayment history. 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.