You can enroll online or in-store! Getting started is easy.

All enrollments begin at Karat Rewards Silver level. As soon as you earn 1,500 points, or more, in the first 12 months of your enrollment, you are elevated to Gold Status. If you earn more than 15,000 points in that first 12-month period, you earn Diamond Status.

There are several ways you can earn Pawn America Karat Rewards Points:

1. Retail purchases at our Pawn America store locations
2. Selling us product at our pawn counters
3. Paying pawn loan fees at our pawn loan counter, fees to extend your loan either in person at our stores or online using MyAccount. You can earn one-time Bonus Points when you:
   1. Enroll in the Pawn America Karat Rewards Program
   2. Using Get A Quote for the first time and completing a loan or selling us the product in that quote.

All points are credited to your account at the end of the business day. You will see the points appear in your Karat Rewards account the day after the qualifying transaction takes place. If you earned points that result in achieving a new level, you will officially be at that level when the points are credited to your account.