The Card
for Creators

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We built the first business credit card for creators. Build your credit, get cool perks, and save money with Karat.

Our clients include top creators like:
Graham Stephan
YouTube  |  3.9M Subscribers

"Karat provided higher spending limits when vendors delayed paying us, supporting our coffee line.”

Alexandra Botez
Twitch  |  1.2M followers

“Karat is the best business credit card for creators–they approved when other banks rejected me twice.”

Musician  |  1.7M on Spotify

“Karat has been my go to card for everything business. Compared to others, Karat’s customer service and rewards system are far superior.”

Nas Daily
FaceBook | 11.2M subscribers

"I have over $3M in revenue per year and 20 employees, but traditional banks still don’t trust me. Karat gets it.”

Real Engineering
YouTube  |  3.9M subscribers

“Despite running a top YouTube channel, I couldn't get help from traditional banks. Karat set me up with a real business card.”

Our featured creators are Karat members, investors, and supporters of the creator community

Featured In

Build your credit
history + more

Learn More
Credit limits set based on cash flow + social stats
Build your
credit history
Unlimited employee cards, available immediately
Join the community for events + perks
No fees
of any kind
Receive top notch cashback rewards
Plus much more.
Learn here.

Earn Points
your way

Choose the reward categories that best suit your needs. Tweak twice a year based on your spending. Get 1-3 points for every cent spent, no expiration.

We’ve turned over 1 million points in ad spend to creators - points they can use to get their headshot on a billboard, get access to creator events, cash back, and more. Terms apply.





Plus more


Join us for exclusive events, get-togethers and hangs with the the biggest creators in the world

Upgrade for tax support

Want a card that does your taxes too?

Save time and money. We provide hassle-free bookkeeping and tax preparation services that give creators insight and peace of mind about their business finances.

Curated taxes + bookkeeping
for creators

Creators don’t make money the way everyone else does, and our tax professionals get that.

Maximize your tax deductions and minimize your stress with accounting experts who’ve been there, done that, and do it every day.

Premium Option

Contact us and
upgrade your Karat card

Learn more about taxes

asked questions

What type of card is the Karat Card?

The Karat Card is a business charge card backed by Visa. The primary difference between other credit cards is that the Karat Charge Card requires full payment of your balance at the end of each billing cycle. Since your balance cannot carry over, you do not have to worry about interest. As you establish a good spending and payment history, your spending limit may increase over time.

How do I know if I’m eligible?

The Karat Card is for creator-first businesses

Will applying affect my credit score?

No. Applying for a Karat Card will not affect your credit score.

How does Karat make money?

Karat earns a percentage of each transaction from merchants (interchange fee). We do not charge our customers any interest, membership, or transaction fees.

Books + Taxes
How much does it cost to sign up with Karat Books?

Our pricing is tailored to the specific services and requirements of each client's business, ensuring you get the best value for your needs.

How is Karat Books different from other accounting platforms?

Karat Books is uniquely designed for creator businesses, focusing on strategies and write-offs specifically relevant to your industry, setting us apart from other accounting platforms.

What if I change my mind?

We offer flexible month-to-month services, allowing you the freedom to use our services without being tied down to long-term contracts.

What if I’m behind on my books?

Our team is experienced in handling catch-up projects to tidy up your past records and bring your books up to date.

What if I have other questions?

Simply submit an inquiry to learn more and our team will promptly get in touch with you to discuss your needs.