## Navigating the rewards page

The rewards page is organized into three tabs:

- **Overview**: View your redeemable and pending points, rewards categories, and reward history
- **Rewards Shop**: Browse and redeem available rewards including billboards, merchandise, and statement credits
- **Referral Program**: Share your referral link, send invitations, and track referral status and points earned from successful referrals

To access the rewards page, go to **Credit Card > Rewards** in your dashboard.

## Redeeming rewards

1. **Open the rewards shop**  
   Navigate to **Credit Card > Rewards** and select the **Rewards Shop** tab. You will see a grid of available reward items.

2. **Select a reward**  
   Click any reward card to open a details panel on the right side of the screen. Here you can view images, a description of the reward, and how many points are required.

3. **Redeem**  
   If you have enough points, click **Redeem** to confirm. A success screen confirms your redemption and shows your updated points balance.

Earned rewards do not expire.

## Redeeming statement credits

Statement credits let you apply points directly to your Karat Card balance.

1. **Select the statement credit reward**  
   In the **Rewards Shop**, click the statement credit reward card to open the details panel.

2. **Enter a custom amount**  
   Type the number of points you want to redeem. The panel shows your available points and the equivalent dollar amount in real time.

3. **Confirm**  
   Click **Redeem** to apply the credit. Statement credits are automatically applied to your Karat Card balance.

_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._