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InfluenceLogic

Financial services for creators

Karat provides customized financing, rewards, and support for creators so you can access more money as you grow.

Exclusive
access via
InfluenceLogic

Apply now to receive special rewards, perks, and custom card designs

Get higher credit limits, based on your audience

Karat includes your fans and followers in our underwriting, which means you get access to more capital to spend on payroll, materials, ads—anything to grow your business faster.

Get higher credit limits, based on your audience

Karat includes your fans and followers in our underwriting, which means you get access to more capital to spend on payroll, materials, ads—anything to grow your business faster.

Enjoy actual Rewards

Our rewards include categories you actually use and need—like ad spend. We've returned over $100,000 in ad spend rewards to creators—money they were able to use to scale their business (and ambitions).

Choose up to three reward categories. Tweak them every few months based on your spending. Need a custom category? We’ll make one. Terms Apply.
1–3x points on custom categories
Ad Spend
Advertising services, marketing subscription, and more.
Amazon.
Amazon.
Merch Inventory
Design consultation; supplier and shipping expenses.
PayPal
Paypal.
Single Merchants
Ebay, Alibaba to name a few.
Choose your own
Pick your own category.
3–5x points on standard categories
Travel
Airlines, Uber, Airbnb and more.
Dining
DoorDash, Uber Eats, restaurants, and more.
Camera Equipment
Canon, Sony, B&H Photo, and more.
Fitness/Gym
Equinox, 24 Hour Fitness, Barry's Bootcamp and more.
Games
Game shops and supplies.
Gas
Chevron, Shell, 76 and more.
Men & Women’s Apparel
Clothing.
Electronics
Apple, Best Buy, Micro Center, music equipment, and more.
Groceries
Whole Foods, Trader Joes, Ralph's and more supermarkets.
Subscriptions
Software, digital applications, and more.
Auto Parts
O'Reilly, Jiffy Lube, Michelin Tires and more.
Cosmetics
L'Oréal, Sephora, Hims & Hers and more.
1–3% cash back on custom categories
Ad Spend
Advertising services, marketing subscription, and more.
Amazon.
Amazon.
Merch Inventory
Design consultation; supplier and shipping expenses.
Paypal
Paypal.
Single Merchants
Ebay, Alibaba to name a few.
Choose your own
Pick your own category.
3–5% cash back on standard categories
Travel
Airlines, Uber, Airbnb and more.
Dining
DoorDash, Uber Eats, restaurants, and more.
Camera Equipment
Canon, Sony, B&H Photo, and more.
Fitness/Gym
Equinox, 24 Hour Fitness, Barry's Bootcamp and more.
Games
Game shops and supplies.
Gas
Chevron, Shell, 76 and more.
Men & Women’s Apparel
Clothing.
Electronics
Apple, Best Buy, Micro Center, music equipment, and more.
Groceries
Whole Foods, Trader Joes, Ralph's and more supermarkets.
Subscriptions
Software, digital applications, and more.
Auto Parts
O'Reilly, Jiffy Lube, Michelin Tires and more.
Cosmetics
L'Oréal, Sephora, Hims & Hers and more.

Manage your growth

Quickbooks Integration
Sync up to two years of transactions with our Quickbooks Online integration for a precise, up-to-date view of your finances.
Employee Accounts
Save money and time with employee accounts. Compound your rewards—and centralize your transactions to make it easy for payments and tax returns.
Karat Concierge
Lost a card? Don’t understand a transaction? Get support between 6am-11pmPT with a Concierge that sets the industry standard for speed, access, and knowledge.
Solid State Software
Track and manage spend from a dashboard backed by 256-bit encryption, Visa’s fraud algorithm, and SHA-256 encryption.
Quickbooks Integration
Sync up to two years of transactions with our Quickbooks Online integration for a precise, up-to-date view of your finances.
Employee Cards
Save money and time with employee cards. Compound your rewards—and centralize your transactions to make it easy for payments and tax returns.
Karat Concierge
Lost a card? Don’t understand a transaction? Get support between 6am-11pmPT with a Concierge that sets the industry standard for speed, access, and knowledge.
Solid State Software
Track and manage spend from a dashboard backed by 256-bit encryption, Visa’s fraud algorithm, and SHA-256 encryption.

Scale your brand

Financial Planning
Karat Members have free access to a professional financial advisor to help with corporate structuring, planning, and taxes.
Personalized Merch
Karat Creative Services can help with merch design and fulfillment, expanding your income and community engagement.
Influential Billboards
Karat Members are regularly featured on billboards in Times Square and Hollywood—polishing their profile and brand.

Grow your network

Supernova
Karat Members get exclusive access to events like Supernova, the Shark Tank for creators, to help them  build their networks and learn to invest.
Casino Night
Karat Rewards include closed-door Casino Nights, a chance to not only meet other creators—but win some of their cash ;)

Re-invest in your content

Customized rewards
Creator-friendly rewards puts  more money back into your bank account—money you can re-invest in your content and distribution. Terms Apply.
No fees
Karat doesn’t charge interest or annual fees. That’s more money for your content: better equipment, more editors, grander ambitions.

Exclusive
access via
InfluenceLogic

Apply now to receive special rewards, perks, and custom card designs