The black card for creators

You create content, you build community, you run a business.

You deserve a card that keeps up with you.

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For priority access, visit our Instagram
“Karat is the card I wish I had two years ago. Banks gave me laughably low credit, forced me to fax documents like the mesozoic era, and treated me like I didn’t matter. Now I have the credit I need, the perks I want, and a fax machine that I can set on fire.”

TheRussianBadger

YouTube | 2.7M subscribers
“Karat has been amazing to me. The setup process was simple and easy, and the card looks dope!”

sharkb0ii

TikTok | 900K followers
“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.”

Nas Daily

Facebook | 15M followers, Instagram | 1.8M

A card to grow your business

Instant savings

Cash back rewards that scale with your follower count

Better terms

We don't charge you fees or interest

Premium

Custom cards

Metal cards branded with your own logo

Premium

Instant revenue

We advance credit for sponsorship payments at zero cost

A card based on your social stats

Just 5 minutes to get started, no need for your social security number, and no effect on your credit score.

Let's get you what you're actually worth. Share your tag and we'll get started!

Forget about bank applications, we care about:

Instagram

Follower count, engagement, sponsorship deals

Youtube

Subscriber count, ad share revenue

Twitch

Subs, donations, brand deals

TikTok

Followers, hearts, views

For premium partners only

Design your own card

Our card is your canvas. Create your own laser etched card with a custom design.

Design your card today

From a team you can trust

We’ve worked at the biggest social networks and big banks. Now we’re here to work for you.

Cofounders

Eric built products at Instagram for creators. He studied economics at Harvard.

Will worked in finance at Kiva & Goldman Sachs. He studied computer science at Stanford.

Investors

  • — Kevin Lin - Twitch cofounder
  • — Wayne Hu - ex YouTube leader
  • — Saar Gur - Patreon board member
  • — Matt Mazzeo - ex CAA leader