The card for creators

Karat provides customized financing, rewards, and support for creators so you can access and save more money as you grow.
entrepreneur/Youtuber
Graham Stephan
“When we launched our own coffee line–Bankroll Coffee–Karat stepped up to provide the credit limits needed to run our business when other vendors were slow in processing our payments. Karat gets it.”
chess master/TWITCH STREAMER
Alexandra Botez
“Karat is the best card for creators–they gave me a top-notch business card when other banks had rejected me twice.”
MUSICIAN/Label owner
3LAU
“Karat has been my go to card for everything. Having experience with Amex Platinum, JPMorgan Reserve + more, Karat’s customer service and points system are far superior.”
FACEBOOK INFLUENCER/founder
Nas Daily
"With over $3M in revenue per year and 20 employees, the bank still doesn’t trust me with a credit card. Karat gets it. Banks don’t.”
Youtuber/host
Real Engineering
“Despite running one of the largest engineering channels on YouTube today, banks wouldn’t help me. Karat provided me with a top-level business card."
Writer/SUBSTACK
Lenny Rachitsky
“Turns out it’s really hard to get a business credit card as a “creator.” Got rejected for every credit card I tried, including Brex. Thank you Karat for hooking me up (custom logo and all).”

Get higher limits, based on your audience

Karat includes your fans and followers in our underwriting, which means you get access to more capital to spend on payroll, materials, ads—anything to grow your business faster.
Fact
We’ve issued 80% more credit to creators than other banks

Funding based on your assets—and audience

Karat includes your fans and followers in our underwriting, which means you get access to more capital to spend on payroll, materials, ads—anything to grow your business faster.
Fact
Our partners access 80% higher credit lines than peers

Enjoy actual rewards

Our rewards include categories you actually use and need—like ad spend. This year alone we returned over $100,000 in ad spend rewards to creators—money they were able to use to scale their business (and ambitions).
Ad Spend
Google, Facebook, TikTok ads; ad services, marketing subscriptions
Auto Parts
O'Reilly, Jiffy Lube, Michelin Tires; tune-ups, repairs, and more
Camera Equipment
Canon, Sony, Nikon, B&H Photo, Samys, and more
Cosmetics
Sephora, Lush, Drybar, Aesop; brow/lash bars, hair/nail salons
Dining
DoorDash, Uber Eats, Nobu, In-N-Out, Starbucks, and much more
Ebay
Most eBay purchases
Fitness/Gym
Equinox, 24 Hour Fitness, Crunch, Gold's; sports clubs, gyms...
Games
Gamestop, Dave & Busters; arcades, game and hobby shops
Gas
Texaco, Shell, 7-Eleven, Chevron; gas and service stations
Men's & Women’s Apparel
Nike, Prada, etc...shoe stores, vintage and thrift, and more
Electronics
Apple, Best Buy, Micro Center; music and parts stores, and more
Groceries
Whole Foods, Trader Joes, Kroger; specialty food shops...
PayPal
Most PayPal services
Pets and Vets
PetCo, PetSmart, Chewy.com; vet visits, operations, nail trims, etc...
Subscriptions
Spotify, Adobe, Netflix; streaming, software, and more...
Travel
Airbnb, Uber, Carnival; trains, planes, and automobiles, etc...
Shipping
UPS, FedEx, USPS, Stamps.com; shipping services and supplies...
Merch
Design consultation; supplier and shipping expenses
Ad Spend
Google, Facebook, TikTok ads; ad services, marketing subscriptions
Auto Parts
O'Reilly, Jiffy Lube, Michelin Tires; tune-ups, repairs, and more
Camera Equipment
Canon, Sony, Nikon, B&H Photo, Samys, and more
Cosmetics
Sephora, Lush, Drybar, Aesop; brow/lash bars, hair/nail salons
Dining
DoorDash, Uber Eats, Nobu, In-N-Out, Starbucks, and much more
Ebay
Most eBay purchases
Fitness/Gym
Equinox, 24 Hour Fitness, Crunch, Gold's; sports clubs, gyms...
Games
Gamestop, Dave & Busters; arcades, game and hobby shops
Gas
Texaco, Shell, 7-Eleven, Chevron; gas and service stations
Men & Women’s Apparel
Nike, Prada, etc...shoe stores, vintage and thrift, and more
Electronics
Apple, Best Buy, Micro Center; music and parts stores, and more
Groceries
Whole Foods, Trader Joes, Kroger; specialty food shops...
Paypal
Most Paypal services
Pets and Vets
PetCo, PetSmart, Chewy.com; vet visits, operations, nail trims, etc...
Subscriptions
Spotify, Adobe, Netflix; streaming, software, and more...
Travel
Airbnb, Uber, Carnival; trains, planes, and automobiles, etc...
Shipping
UPS, FedEx, USPS, Stamps.com; shipping services and supplies...
Merch
Design consultation; supplier and shipping expenses

Manage your growth

Quickbooks Integration
Sync up to two years of transactions with our Quickbooks Online integration for a precise, up-to-date view of your finances.
Employee Cards
Save time and money with employee cards. Compound your rewards—and centralize your transactions to make it easy for payments and tax returns.
Karat Concierge
Lost a card? Don’t understand a transaction? Get support between 6am-11pm PT with a concierge that sets the industry standard for speed, access, and knowledge.
Spend Management
Track and manage spend from a dashboard backed by 256-bit encryption, Visa’s fraud algorithm, and SHA-256 encryption.
Quickbooks Integration
Sync up to two years of transactions with our Quickbooks Online integration for a precise, up-to-date view of your finances.
Employee Cards
Save money and time with employee cards. Compound your rewards—and centralize your transactions to make it easy for payments and tax returns.
Karat Concierge
Lost a card? Don’t understand a transaction? Get support between 6am-11pmPT with a Concierge that sets the industry standard for speed, access, and knowledge.
Solid State Software
Track and manage spend from a dashboard backed by 256-bit encryption, Visa’s fraud algorithm, and SHA-256 encryption.

Scale your brand

Certified Financial Planning
Karat Members have free access to a Certified Financial Planner to help with corporate structuring, planning, and taxes.
Personalized Merch
Karat Creative Services can help with merch design and fulfillment, expanding your income and community engagement.
Influential Billboards
Karat Members are regularly featured on billboards in Times Square and Hollywood—polishing their profile and brand.

Build your network

Supernova
Karat Members get exclusive access to events like Supernova, the Shark Tank for creators, to help them  build their networks and learn to invest.
Casino Night
Karat Rewards include closed-door Casino Nights, a chance to not only meet other creators—but win some of their cash ;)

Re-invest in your content

Customized rewards
Creator-friendly rewards puts  more money back into your bank account—money you can re-invest in your content and distribution.
No fees
Karat doesn’t charge interest or annual fees. That’s more money for your content: better equipment, more editors, grander ambitions.

Say hello to your little friend

Features
Credit Check to Apply
None
Yes
Yes
Annual Fee
$0
$0
$695
Interest
None
13.24%–19.24% variable
15.99%–22.99% variable
Foreign Transaction Fees
None
3%
None
Employee Cards
None
Quickbooks Integration
None
None
Rewards
3 Custom Categories for uncapped cash back
Capped cash back for internet, gas, and restaurants
Capped points on flights and hotels
Welcome Offer
$500 on $5k purchases

5% on ALL categories - up to first 3 weeks*

Times Square Billboard for VIPs

*Dependent on promotion activation at onboarding
$750 cash back for $7,500 spend in 3 mo
100,000 points for $6k spend in 3 mo
Credit Check to Apply
None
Yes
Yes
Annual Fee
$0
$0
$695
Interest
None
13.24%–19.24% variable
15.99%–22.99% variable
Foreign Transaction Fees
None
3%
None
Employee Cards
None
Quickbooks Integration
None
None
REWARDS
3 Custom Categories for uncapped cash back
Capped cash back for internet, gas, and restaurants
Capped points on flights and hotels
Welcome Offer
$500 on $5k purchases

5% on ALL categories - up to first 3 weeks*

Times Square Billboard for VIPs

*Dependent on promotion activation at onboarding
$750 cash back for $7,500 spend in 3 mo
100,000 points for $6k spend in 3 mo

The card for creators

Creators talk about their cards. And use their cards. And drop their cards on hard surfaces to discuss the sound the card's heavy-gauge metal makes when reacting to said hard surface. Stuff like that.
Airrack
Surviving in $100,000 VS. $1 Hotel!
ZHC
I Surprised MrBeast With A Custom House!
The iced coffee hour clips
Credit Card Expert Reviews My Wallet (CLIPS EXCLUSIVE)
Elliot Choy
A new chapter episode 01
Jordan Matter
24 Hour LAST TO LEAVE POOL Challenge ft/ Lilly K vs Txunamy
Kelly Stamps
My fun week as a full time youtuber!
Nick DiGiovanni
Best Fast Food Milkshake
Where it happens
Disruptive Innovation
Brand risk
Your Follower Count is More Important than Your Credit Score

FAQ

Questions and answers

Uh, this is the bottom of the page.

What are you waiting for? Apply.
It’s time to grow.