Karat Card
Issued by Cross River Bank
Reviewed by the CardCurator Editorial Team
Earning Categories
Maximize Your Karat Rewards Points
Expert tips to get the most value from this program
Program Overview
Karat Rewards is a creator-business card program built around configurable business-spend categories rather than a fixed static bonus map.
Earning Tips
Cardholders choose their higher-earning creator categories. The practical value depends on whether their spend aligns with the selected categories.
Redemption Tips
Points can be used for statement credits and creator-oriented redemptions. Because the category setup is customized, the main decision is category selection rather than redemption arbitrage.
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Frequently Asked Questions
- What is the annual fee for the Karat Card?
- The Karat Card has no annual fee.
- What is the best category to use the Karat Card for?
- The Karat Card earns 3x on Primary Selected Creator Spend Category, making it the strongest earning category for this card.
- Does the Karat Card charge foreign transaction fees?
- No, the Karat Card does not charge foreign transaction fees, making it a good choice for international purchases.
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