Custom rewards for your spend
Experience custom design, better rewards, and the highest limits for growing businesses
Explore the perks of being a cardholder
Smarter limits
Old school banks don't get it. We underwrite you based not just on credit history but also on the actual cash flows of your business.
Fast live chat
You deserve a partner that keeps up with you – chat with our Concierge team anytime from 10am to 8pm ET.
Get rewarded for every dollar you spend
Get 1-3 points back on every dollar spent. Points can be redeemed for Times Square billboards, statement credits, and more.
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and much more...
Trip Interruption Protection
Reimbursed for non-refundable hotels, flights, and prepaid expenses for covered emergencies
Auto Rental Collision Damage Waiver
Covered for collision damage on most rental vehicles
Extended Warranty Protection
Eligible purchases automatically get up to one additional year added to manufacturer warranties
Travel and Emergency Assistance
24/7 access to medical referrals, legal assistance, and emergency travel help wherever in the world
Purchase Theft and Damage Security
Eligible purchases are protected against theft or accidental damage for up to 90 days
Zero Liability Protection
Coverage so you're not on the hook for unauthorized and fraudulent charges
Retail Return Protection
Eligible purchases reimbursed for 90 days if the retailer won't accept the return
No Foreign Exchange Fees
No fees on international purchases — spend abroad without penalty
A card customized
for you
Your alloy metal card designed for you.
The card to grow your business
Spin up virtual cards, configure limits for your team, and turn off cards instantly.
Add employees, accountants, managers, and other owners. Set permissions for your team all in one place.
Thanks to our AI Bookkeeping tool, tax season is easy. We’ll automatically categorize your transactions to generate financial reports every month.
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.
Top real estate investor
Graham Stephan
Karat provided higher spending limits when vendors delayed paying us.
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.
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.
8 figure revenue custom gaming PCs company
Starforge Systems
I've used Karat for my $XM/yr gaming PC business for the last year. It's easy to use and I can just call my banker if I have a question
Our partnership with Visa
Karat is a financial technology company and not a bank. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC. pursuant to a license from Visa️ USA