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Karat is a financial technology company and not a bank. The Karat Visa® Business Credit Card is issued by by Cross River Bank, Member FDIC. pursuant to a license from Visa️ USA

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Credit Card

Limits based on social stats

Old-school banks don’t get it. We give you limits based on your socials + cashflow so you can focus on creating.

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Fast live chat

You deserve a partner that keeps up with you–chat with our certified financial planner and our Concierge team whenever.

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Get rewarded for your spend

Get 1-3 points back on every dollar spent. Points can be redeemed for Times Square billboards, statement credits, and more.
See our creator-specific rewards

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Learn More
Limits based on social stats

Old-school banks don’t get it. We give you limits based on your socials + cashflow so you can focus on creating.

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Fast live chat

You deserve a partner that keeps up with you – chat with our Concierge team anytime from 10am to 8pm ET.

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Get rewarded for your spend

Get 1-3 points back on every dollar spent. Points can be redeemed for Times Square billboards, statement credits, and more.

See our creator-specific rewards‍

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Karat is a financial technology company and not a bank. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA
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creator

See our custom creator-specific
rewards categories

Ad Spend
Amazon
Cosmetics
Paypal
Travel
Dining
Camera Equipment
Fitness/Gym
Games
Gas
Men & Women's Apparel
Electronics
Groceries
Subscriptions
Auto parts
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THE ICED COFFEE HOUR CLIPS

Credit Card Expert Reviews My Wallet (CLIPS EXCLUSIVE)

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Nick DiGiovanni using Karat card

Airback

Surviving in $100,000 VS. $1 Hotel!

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I Surprised MrBeast With A Custom House!

A card customized for you

Your alloy metal card is laser-etched with your logo.

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Your suit of armor

You’re safe
with us

We secure all your data with 256-bit encryption and all transactions you make are verified through Visa’s fraud algorithms.

Real support at your fingertips

If you run into any suspicious activity on your card, our concierge team is at your service from 10am to 8pm ET.

A CARD DESIGNED FOR GROWTH

Higher limits

We give creators the spending power they need to power their growth.

Build your credit

Build your personal credit history so you can get your dream apartment, car, or house.

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Pay less tax

Track your business expenses to maximize your tax savings.

No FX fees

Spend abroad with no foreign transaction fees.

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Community

Join the Karat community for exclusive events with the biggest creators in the world.

Earn unique rewards

Earn points to redeem for one-of-a-kind rewards, like having your face on a billboard in Times Square.

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Our partnership with Visa

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Business banking that gives you peace of mind.

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Do you have any questions?
We've got answers

How do I save in taxes by writing off business expenses?

Your content-related expenses can all be potentially considered business expenses by the IRS and eligible to write-off in taxes. For example, if you pay your video editor $100, you might be able to save anywhere between $10 and $40 (depending on your tax bracket) off that expense if you write it off.

The Karat Card and Karat Business Banking make it easy to track and manage these business expenses. Our dashboard gives a clear view of your spending.

How does the rewards program work?

Earn 1-3 points on every dollar spent, based on custom spend categories that you select when you join. You can redeem your points for billboards, custom merch, podcast studio time, statement credit, and much much more (redemption rates  vary). Or, trade points for statement credit at 100 points = $1.

Please see our Terms of Use for all terms and conditions.

How does Karat build my personal credit score?

You need a good credit score to get an apartment, car, or mortgage. The Karat card helps creators build their credit score. As you pay off your Karat card every month, we’ll help you build your credit history which will increase your credit score over time.

How does paying off my Karat card work?

It’s super simple. At the end of every calendar month, you’ll be responsible for paying off your balance (how much you spent that month). Our autopay system makes this process seamless, and these on-time payments will build your credit history.

Does the Karat card have a foreign transaction fee?

Nope. Use your Karat card abroad without worrying about FX fees!

How often can I change my reward categories?

Every six months. You can contact our Concierge team, who will make the change for you.

Can I create a custom category?

Our current reward categories cover everything from everyday transactions to creator-focused expenses. At this time, however, we do not support custom categories.

Do rewards expire?

No. Our rewards do not expire.

How do I know if a merchant will be eligible for points?

Merchant codes are defined by the Visa/Mastercard network. While we strive to include all relevant merchant codes, in the event that a merchant does not have a code in a particular category, purchases with that merchant may not qualify for rewards in that category.

What if I have more questions?

Feel free to DM us on Instagram @trykarat if you have any other questions!

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Karat is a financial technology company and not a bank. Banking services and the Karat Business Banking Visa® Card are provided by Grasshopper Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. The FDIC’s deposit insurance only protects against the failure of an FDIC-insured bank.  

The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, under a separate license from Visa U.S.A. Inc.

See Privacy Policy, Card Program Terms, Cardholder Agreement, Grasshopper Master Service Agreement, Deposit Account Agreement Disclosures, and Karat Premium Terms of Service. Karat Financial is not affiliated with Karat, Inc. at http://www.karat.com

Deposit placement through ICS is subject to the terms, conditions, and disclosures in the applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured  (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and IntraFi Cash Service is a service mark, of IntraFi Network LLC.

APY rate as of [date], subject to change.

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