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Trusted by 150+ companies

Carat is backed by the trust of our customers, our advisors, strategic partners, and investors.

Transform your credit card into a wealth-building tool.

With Karat Credit Card, you can earn dividend-paying stock rewards on your everyday purchases. Our reduced APR and better payment terms allow you to pay off your balance faster while building wealth at the same time. Say goodbye to traditional credit card debt and hello to a brighter financial future with Karat.

01

Choose your stocks

Choose between many dividend paying stocks at any time in the dashboard, there is no cap to the amount of stocks to choose from.

02

Spend using Karat

Shop at participating merchant locations and earn up to 5% stock rewards allocated across all your chosen stocks.

03

Earn Dividends

Let your money start working for you through monthly or quarterly paying dividends on your earned stock rewards.

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Make your spending work for you with Karat Credit Card.

Put your money where your mouth is and earn up to 5% fractional shares of stock on every dollar you spend. With Karat Credit Card, you're not just making purchases—you're building wealth. Plus, enjoy reduced APR and better payment terms than our competitors. Join the credit card revolution today.

  • Lowest Market APR

    Our APR starts off very low at under 20% then goes down from there as you continue making on-time payments.

  • Build Your Stock Portfolio

    Earn up to 5% in stock rewards from your favorite dividend-paying corporations for free.

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Protect your finances with Proximity Lock.

With Karat Credit Card, you can have peace of mind knowing that your finances are protected with Proximity Lock. This feature blocks any transactions made too far away from your mobile phone, ensuring that only you can access your funds. Take control of your financial security today with Karat Credit Card.

  • Proximity Lock

    Set the proximity range between your card and phone between 50ft - 500ft and if your card is used outside this proximity, the transaction will decline.

  • 256 Bit AES Encryption

    Your data is protected using industry standard enryption security technology.

BECOME A SPONSOR
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Discover a better airline miles reward program.

Earn generous airline miles for every dollar spent. With flexible redemption options for unforgettable travel experiences, you can unlock your dream destinations and enjoy the journey like never before.

  • Earn generous airline miles for every dollar spent:

    Earn miles on all purchases, accumulating rewards quickly.

  • Flexible redemption options for unforgettable travel:

    Redeem miles for flights, upgrades, and more, unlocking exciting travel experiences.

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High End Rewards

Take control of your finances and start building wealth with every swipe of your Karat Credit Card.

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Enhanced Security

Karat credit card employs robust security measures to protect cardholder information and ensure secure transactions.

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Generous Stock Rewards

Karat offers enticing stock rewards for qualifying purchases, allowing cardholders to earn shares or investment credits.

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Low APR

credit card comes with a competitive Annual Percentage Rate (APR), providing cardholders with cost-effective financing options.

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Exceptional Customer Service

Karat offers top-notch customer support, delivering a seamless experience and resolving inquiries promptly to provide a 5-star customer service experience.

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Powerful solution for University students

University students enjoy special exclusive offers if they submit their transcripts.

  • No Credit Check

  • Lowest Market APR

  • Build Wealth

  • K+

    Active Waitlist

  • M +

    Capital Committed

  • 1500+

    Accelerators

  • 0+

    Awards

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Earn stock from
your favorite corporations

Take control of your finances and start building wealth with every swipe of your Karat Credit Card.

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Facebook

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Lyft

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Ebay

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Dropbox

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Google

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Amazon

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Twitter

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Nasa

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Airbnb

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Reddit

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Apple

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Microsoft

Control your payments, control your APR.

With Karat Credit Card, you have the power to choose your payment terms. Whether you prefer weekly, bi-weekly or monthly payments, you can take control of your finances and reduce your APR. Plus, with dividend paying stock rewards as cashback for credit card spend, you can start building wealth instead of debt today.

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Weekly

Get the lowest rates on the market. If you carry a balance, a weekly billing plan will save you money and help you to pay off debt faster.
5% - 13%APR

  • Annual Fee: $59

  • Surcharge: 2.00%

  • 3x Airline Miles

  • 2x Stock Rewards

  • No Monthly Fee

APPLY NOW
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Bi-Weekly

Cut your interest rates in half with bi-weekly payments. Sync with your paycheck schedule to stay on top of your finances.
13% - 17%APR

  • Annual Fee: $149

  • Surcharge: 1.50%

  • 2x Airline Miles

  • 1.5x Stock Rewards

  • No Monthly Fee

APPLY NOW
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Monthly

Enjoy competitive interest rates, up to 5% lower, compared to other rewards cards available on the U.S. market.
18% - 26%APR

  • Annual Fee: $295

  • Surcharge: 1.00%

  • 1x Airline Miles

  • 1x Stock Rewards

  • No Monthly Fee

APPLY NOW

FAQ - Frequently Asked Questions

Have a question that's not listed? Reach out to us by email at support@karatcard.club

Simple! Just shop at one of our 8,000+ partner merchant locations or online to automatically earn free fractional shares of stock and airline miles.

Not at all! We believe you are more than a credit score, so we don't check it at all. Instead, we ask you to link yor checking account and any other financial accounts you have to give us a clearer view of your financial situation. Additionally, you can upload your university Transcripts and get rewarded with a higher credit limit for your GPA.

During the application process, you will be able to choose between weekly, bi-weekly, and monthly terms with weekly terms offering more rewards and lower APR than monthly terms.

At Karat, our members security is the highest priority, we do not sell your data to third parties, we develop effective cutting edge security technologies and we encrypt everything using blockchain technology.

Interface overview

Karat uses modern technologies and the strongest security algorithms on the market to bring the best, most secure credit card platform to you.

Now accepting commitments

Commitments are non-binding and are 100% refundable through WeFunders investment platform. Commitments that turn into investemnts earn the investor extra perks:

  • No Credit Check

  • 0% APR Introductory Offer

  • Physical Titanium Card

  • Executive Support

SUBMIT COMMITMENT
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Waitlist Signup

Mon - Fri: 9 am to 5 pm