Carat Personal Credit Card

Carat Wealth Builder Credit Card

Annual Fee: $59 - $149¤         

Earn $200 $300 in Stocks
after you spend $3,000 on eligible purchases with your Card in the first 3 months.
This offer may not be available if you leave this webpage and return later.

What you'll earn

  • 1% - 5% Fractional Shares of Stock
  • Discounts on Travel, Food, and Play

Shop at one of our 8,000+ partner merchant locations or online to automatically start earning. View all current and active offers in app easily and quickly.

Credit Terms

Choose your terms

Long credit card billing cycles and high interest lead to debt. We give you the opportunity to choose low APRs, shorter billing cycles, and financial freedom. .

weekly

5% - 15%APR

weekly

Apply Now
  • Annual Fee: $59
  • Surcharge: 1%
  • Monthly Fee: $0
  • x3 Stock Rewards
  • x4 Airline Miles
Bi-Weekly

16% - 25%APR

Bi-Weekly

Apply Now
  • Annual Fee: $149
  • Surcharge: 1.5%
  • Monthly Fee: $0
  • x2 Stock Rewards
  • x3 Airline Miles
Monthly

26% - 37%APR

Monthly

Apply Now
  • Annual Fee: $295
  • Surcharge: 2%
  • Monthly Fee: $0
  • x1 Stock Rewards
  • x2 Airline Miles

Additional Benefits

No Credit Check: We believe you are more than your credit score, so we don't use it! Apply now without the risk of damaging your credit.

Discounts: Get discounted rates on your everyday purchases just by using your card.

Bonus Miles: Earn an extra 15,000 bonus miles if you spend $3,000 using your card within the first 3 months.

VISA Rewards Program

Shipt

Same-day delivery from a variety of local stores

Get groceries, household essentials, and more delivered in as soon as 1 hour – enrolled Visa consumer credit cardholders get a free membership, which includes free same-day delivery on orders $35+. Offer terms apply. Check out Shipt’s Offer Terms for U.S. Visa Consumer Credit Cardholders.

Sofar

Music like you’ve never experienced it before

Sofar Sounds is a unique opportunity to explore music in a more personal, intimate way – and Visa consumer credit cardholders enjoy exclusive access to select Sofar events and eligibility for a free ticket per show with purchase. Every show is an experience in discovery and community. Offer terms apply. Check out Sofar Sounds’ Offer for Visa Terms.

Skillshare

Explore your creativity with Skillshare

Enroll your Visa Infinite or Visa Signature consumer credit card and enjoy unlimited access to thousands of classes and discounts on membership – and explore how it feels to bring your ideas to life with inspiring online classes.

Offer open to new Skillshare members only. Unless cancelled before end of trial, free trial automatically converts to auto-renewing annual subscription. Terms apply, visit Skillshare Benefit Terms for Visa Infinite and Skillshare Benefit Terms for Visa Signature to learn more.

Dovly

Everyone can benefit from a higher credit score

In just seconds, you can put Dovly to work helping to fix, manage, and maintain your credit score. A credit score can impact your ability to buy a house or a car, and improving your score can help save money on everyday expenses, such as auto insurance. Get access to Dovly Uplift™ free with your Visa card.

While Dovly’s platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.

NortonLifeLock

Your partner against identity theft

No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. ID Navigator Powered by NortonLifeLock helps provide you with tools so you can act quickly should the unexpected happen.

Are you a business?

Click Here!

Need support ? contact our team

Mon - Fri: 9 am to 5 am