Less Limits.
Karat is the Black Card for Creators.
Grow your channel faster with the credit you deserve.
Find out why the biggest creators in the world use Karat.
Find out why the biggest creators in the world use Karat.
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Karat is the Black Card
for Creators.
for Creators.
As a content creator, you build community, you run a business.
You deserve a card that keeps up with you
You deserve a card that keeps up with you
“Karat is the best card for creators- they gave me a top notch business card when other banks had rejected me twice.”
"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."
“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.”
“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.”
“Karat is a must have for all content creators. Traditional banks just don’t get it.”
“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.”
“When my dog found my wallet and chewed up my cards - my metal Karat card was the only one still in good shape. They've built the top card for creators.”
“Despite running one of the largest engineering channels on YouTube today, when I moved to the US from Ireland, banks wouldn't help me. Karat provided me with a top level business card and helped me set up a business bank account too!”
“Online creators constantly struggle when working with traditional financial institutions. Our jobs are so new and niche that banks just don't understand it. Karat not only fills that gap, but gives us the experience that everyone wishes they could have had.”
“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).”
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Featured in
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Instant savings
Cash back rewards that scale with your social stats
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Custom designs
Metal cards branded with your own logo
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Better terms
We donʼt charge you fees or interest. Period.
Get the credit
you deserve.
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!
Let's get you what you're actually worth. Share your tag and we'll get started!
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Forget bank applications.
We care about:
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Instagram
Followers, engagement, sponsorship deals
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YouTube
Subscribers, ad share revenue
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Twitch
Subs, donations, brand deals
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TikTok
Followers, hearts, views
Facebook
Followers, Subscribers, Likes
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Twitter
Followers, Mentions, Likes
Very Rare
Our card is your canvas.
Create your own laser etched card with a custom design.
Create your own laser etched card with a custom design.
O.G. built and backed
We built products at the biggest social networks and the biggest old school banks. Now we're building a better bank for creators.
Backed by previous founders & CEOs of:
Kevin Lin
Co-Founder
Co-Founder
Biz Stone
Co-Founder
Co-Founder
Steven Chen
Co-Founder
Co-Founder
Michael Ovitz
Co-Founder
Co-Founder
Kevin Mayer
Former CEO
Former CEO
Adam Nash
Former CEO
Former CEO
Mike Lu
Co-Founder
Co-Founder
Ankur Nagpal
Co-Founder
Co-Founder
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Join the waitlist
Heard enough? Sign up for our waitlist now.
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