Karat is a financial technology company and not a bank. Banking services and the Karat Visa® Commercial Card are provided by Grasshopper Bank, N.A. and First Internet Bank of Indiana, Members FDIC, pursuant to separate licenses from Visa U.S.A. Inc. The FDIC’s deposit insurance only protects against the failure of an FDIC-insured bank.
Skip to main content
Download the Karat app now. Exclusively for iOS
Karat creator credit card
Loyalty Rewards Program

Redeem your points for exclusive discounts and offers.

As a loyalty member, you will receive early access to sales, special promotions, and personalized offers tailored just for you. Sign up today and start enjoying the perks!

Karat creator credit card
Seasonal Sale 2023

Seasonal Sale is Here!

Take advantage of our seasonal sale with discounts up to 50% on a wide range of products. This is the perfect opportunity to stock up on your favorites!

Featured Products

Check out our featured products that are on sale this season. From electronics to home goods, we have something for everyone!

Shop now and save!
Karat creator credit card
Refer a Friend Program

Share the Love!

Refer a friend to our services and both of you will receive a special reward. It's our way of saying thank you for spreading the word about us.

How It Works

For every friend you refer who makes a purchase, you will receive a discount on your next order. There’s no limit to how many friends you can refer!

Start referring today and enjoy the benefits!
Karat creator credit card
Limited Time Promotion

Don't Miss Out!

For a limited time only, enjoy a special promotion that offers significant savings on selected items. This is your chance to grab the best deals before they are gone!

How to Redeem

Simply use the code PROMO2023 at checkout to apply your discount. Hurry, this offer ends soon!

Act fast and save big!
Karat creator credit card
Exclusive Offer for New Customers

Unlock Your Special Discount!

As a new customer, you are eligible for an exclusive discount on your first purchase. This offer is designed to welcome you to our community and provide you with the best value right from the start.

Why Choose Us?

We pride ourselves on delivering high-quality products and exceptional customer service. Our team is dedicated to ensuring your satisfaction, and we are here to assist you every step of the way.

Join us today and experience the difference!

Business banking

for business owners in

  • B2B Services

  • Home Services

  • Real Estate

  • Health & Wellness

  • Education

  • Consumer Services

  • Financial Services

  • Media

AI powered banking that helps you grow faster.

Button Text
Alexandra Botez, content creator and Karat memberGraham Stephan, content creator and Karat memberA Taste of Koko, content creator and Karat member

Trusted by thousands of small business owners across the U.S.

Karat creator banking app interface

Businesses love Karat

Top growing businesses use Karat banking to manage their finances and grow faster.

$1-10M revenue figure business consultancy

Loop Labs
Jason Russak

It was so easy to get set up with Karat banking. I feel like this was built for me. I can see my P&L everyday to save money and their concierge helped me grow my business.

Graham Stephan, content creator and Karat member

Top real estate investor

Graham Stephan

Karat provided higher spending limits when vendors delayed paying us.

Alexandra Botez, content creator and Karat member

7 figure revenue media business

Alex Botez

Since Karat has up to $100M in FDIC insurance, I know my money is safe. It's so easy to set up and I just call if I need any help.

A Taste of Koko, content creator and Karat member

7 figure revenue food blogger 

Jane Ko

When I raised $150k for the Austin Winter Storm, I couldn't access the funds for 2 weeks. I texted Karat who raised my limit to $150k in minutes.

Your business finances, all in one place.

Many businesses juggle three to five apps just to manage their money. Karat brings banking, credit cards, bookkeeping, AP and AR into a single dashboard built for how you actually work.

Karat banking features illustration

Banking

High-yield business checking accounts with millions in FDIC insurance, no minimums, and up to 5 sub-accounts to organize by purpose

Karat creator credit card

Credit Card

Custom rewards, personalized design, no annual fee, no FX fees, and credit limits based on business and social activity, not just your credit score

Karat bulk payment feature

Mass Payments

Pay talent, contractors, and partners in bulk, domestically and internationally, with automated tax collection and 1099 generation

‍

Karat AI bookkeeping dashboard

AI Bookkeeping

Transactions are categorized automatically from Karat and external connected accounts. Real time P&L and financial reports are always ready to share

Invoicing

Create, send, and track invoices from your Karat account. Payments route directly to your checking account via ACH or wire

‍

Team and Org Management

Manage multiple business entities under one login, each with its own accounts, card, and employee permissioning

‍

For growing businesses

Karat is customized for the exact type of business you run.

Karat financial tools for creator small businesses

SMBs

A business bank account, credit card, bookkeeping, and invoicing in one place. No need to stitch together five tools just to manage cash flow.

Karat financial tools for talent agencies and creator management

Agencies

Pay your entire talent roster in one transaction. Manage multiple clients or entities under one login, with separate accounts and permissions for each.

Karat financial tools for content creators

Freelancers

Banking and a credit card that understand irregular income. Get paid, set aside taxes automatically, and manage your business finances without juggling multiple apps.

Better business banking

‍

Get set up in 5 minutes with a business checking account with millions in FDIC insurance, free ACH transfers, and wire payments ready to go from day one. You'll also earn up to [premium_checking_rate]% APY on your checking balance, more than 10x what you get from other banks.*

*Based on an average publicly available interest rate of [standard_checking_rate]% APY at other banks. Rate as of [rate_effective_date]. See Business Deposit Account Agreement Disclosure for details.

Karat business banking features illustration

Business credit cards that earn for your business

The Karat Card is a Visa® Business Credit Card with no annual fee and no foreign transaction fees that arrives custom engraved in stainless steel with your agency's logo.

Choose between the Karat Credit Card and the Karat Max Card to get up to 3x the rewards on everything. Easily spin up new virtual and physical cards to manage and track spend across your team.

Step 2: Earn 3x rewards with Karat card

All-in-one banking for growing businesses

A single product for everything you want to accomplish with your money.