Managing cards in the mobile app - Karat Help Center

Cards tab

The Cards tab lets you view and manage all your banking and credit cards.

Viewing your cards

Your cards are displayed as visual card previews showing the card type, last four digits, and current balance. If you have both banking and credit cards, use the filter pills at the top to switch between All, Banking cards, and Credit cards. Tap any card to see its full details.

Card actions

From a card’s detail screen, you’ll see a row of action buttons. The actions available depend on the card type:

• View card details (banking cards)

  • Tap Card details to reveal the full card number, expiration date, CVV, and PIN. Tap any value to copy it to your clipboard.

• Freeze or unfreeze a card (banking cards)

  • Tap Freeze card to temporarily disable the card. While frozen, new transactions will be declined. Tap Unfreeze card to re-enable it.

• Make a payment (credit cards)

  • Tap Pay card to make a payment toward your credit card balance. Select the bank account to pay from, enter the amount, and confirm.

• Contact concierge

  • Tap Contact concierge to open a text message to Karat’s support team.

• Cancel a card

  • Tap Cancel card to permanently deactivate the card. You’ll be asked to confirm before the card is cancelled. This action cannot be undone.

Add to Apple Wallet

On iOS, you can add your Karat cards to Apple Wallet directly from the card detail screen. Tap the Add to Apple Wallet button that appears below your card. This works for both banking cards and credit cards. The button only appears when the card has not already been added to your wallet and when the card is not frozen.

Spend overview

Below the card actions, you’ll see a spend overview showing how much of your limit has been used. For credit cards, this also includes your current balance and last statement balance.