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 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 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."
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 capital 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
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
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
Creators get carded
FAQ
Questions and answers
How is Karat better than my other cards?
How does Karat make money?
How stable is Karat?
How much does this cost?
How do I get started?
How is Karat better than my other cards?
How does Karat make money?
How stable is Karat?
How much does this cost?
How do I get started?
