*Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC, with cards pursuant to a license from Visa USA Inc. The FDIC’s deposit insurance only protects against the failure of an FDIC-insured bank.
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Business banking for

  • Entrepreneurs

  • Influencers

  • Business Owners

  • Creatives

All-in-one banking so you can focus on what matters

Lizzy Capri, content creator and Karat memberThomas Frank, content creator and Karat memberAlexandra Botez, content creator and Karat memberLenny Rachitsky, content creator and Karat memberMarina Mogilko, content creator and Karat memberCharlie Chang, content creator and Karat member

Trusted by Wendover Productions, Alex Botez, 3LAU and thousands of other creators

Karat creator banking app interface

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

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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

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Team and Org Management

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

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Creator businesses love Karat

Content creators, brand deal agencies, and digital entrepreneurs use Karat to power their business operations.

Karat payments feature

7.2M Subscribers on YouTube

@TooTurntTony

Love the platform is built with creators in mind. Very responsive to new feature requests like invoicing and mobile apps, making the creator back end much easier and all on one platform!

Karat payments feature

134K Followers on YouTube

@AprilynneAlter

Karat makes it easy to keep track of my business. It integrates so seamlessly with everything I want it to, and I love how much interest I’m earning with just a checking account!

Karat payments feature

10.2M Subscribers on YouTube

@IsaiahPhoto

I use Karat for two of my businesses and it’s a breeze. Really great APY and concierge support that I never got from a traditional bank.

Alexandra Botez, content creator and Karat member

1.3M Followers on Twitch

@AlexandraBotez

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

Real Engineering, content creator and Karat member

4.1M Followers on YouTube

@RealEngineering

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

Graham Stephan, content creator and Karat member

4.5M Subscribers on YouTube

@GrahamStephan

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

A Taste of Koko, content creator and Karat member

213K Followers on Instagram

@ATasteOfKoko

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.

For creators, agencies, and growing businesses

Karat is built around how your money actually moves, whether you're managing brand deals, creating content, or selling goods or services.

Karat financial tools for content creators

Creators

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

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 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.

Better business banking

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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

A community of creatives

Karat is more than just a banking platform - it's a community of content creators, agencies, and freelancers that co-exist in the creator ecosystem. Karat hosts parties and events bringing together our clientele for fun times and professional networking. Becoming a Karat client gets you access to exclusive events at SXSW, Vidcon, VidSummit, and more!

All-in-one business banking for growing businesses

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