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.”


YouTube | 2.8M subscribers
“Karat has been amazing to me. The setup process was simple and easy, and the card looks dope!”


TikTok | 1M followers

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


Custom cards

Metal cards branded with your own logo


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:


Follower count, engagement, sponsorship deals


Subscriber count, ad share revenue


Subs, donations, brand deals


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.


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.


  • — Kevin Lin, Co-Founder of Twitch
  • — Biz Stone, Co-Founder of Twitter
  • — Steve Chen, Co-Founder of YouTube
  • — Michael Ovitz, Co-Founder of CAA
  • — Kevin Mayer, Former CEO of TikTok
  • — Adam Nash, Former CEO of Wealthfront
  • — Jared Leto, Actor and Investor
  • — Ankur Nagpal, Co-Founder of Teachable