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Once your application is approved, we’ll begin preparing your card for shipment. You can track each stage of the process — from production through delivery — and you’ll receive email updates along the way. Virtual cards for both Banking and the Karat Card are available instantly and can be used immediately after issuance. The information below applies to physical cards only.

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Banking Cards

Banking Cards are standard business cards connected to your checking account. Once issued, physical Banking Cards are shipped to the address on file. Delivery timelines may vary slightly depending on processing time and holidays.

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Karat Card

The Karat Card is made of stainless steel and is available in black or white. If you submitted a custom logo or design during your application, our team will review it. Once approved, your card will be laser-engraved and prepared for shipment. Karat Cards are shipped to the address provided in your application. Cards typically arrive within 8 to 10 business days after design approval. Shipping timelines may vary depending on production volume or holidays.

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Tracking your shipment

After your physical card enters production, you’ll receive email notifications at key stages:
  • Card shipped — your card has left the production facility and is on its way. This email includes your estimated delivery date.
  • Card delivered — your card has arrived at the address on file.
If your card is returned or delivery fails, please reach out to us.

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Shipping address

Your card is shipped to the mailing address on your account. Make sure this is a valid physical U.S. address — P.O. boxes are not supported for card delivery. To update your mailing address before a card ships, go to Settings in your dashboard.

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Activating your card

Physical cards must be activated before they can be used. You’ll receive activation instructions when your card is delivered. Once activated, your card is ready for purchases. You can confirm your card’s status in the appropriate section of your dashboard:
  • Banking > Cards for the Banking Card
  • Credit Card > Cards for the Karat Card
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.