Custom rewards for your spend
Experience custom design, better rewards, and the highest limits for creator businesses
Explore the perks of being a cardholder
Limit 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.
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 is laser-etched with your logo.
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.
Creator businesses love Karat
Content creators, brand deal agencies, and digital entrepreneurs use Karat to power their business operations.
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!
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!
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.
1.3M Followers on Twitch
@AlexandraBotez
Karat is the best business credit card for creators–they approved when other banks rejected me twice.
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."
4.5M Subscribers on YouTube
@GrahamStephan
"Karat provided higher spending limits when vendors delayed paying us, supporting our coffee line.”
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."
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
Get started on the custom card for creators
Business credit cards for creator businesses.