The black card
for creators.

You create content, you build community, you run a business. You deserve a card that keeps up with you.
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“Karat has been my go to card for everything. Having experience with Amex Platinum, JPMorgan Reserve + more, Karat’s customer service and points system are far superior.”

DJ/Producer/Entrepreneur, 2.4M Monthly Listeners

"With over $3m in revenue per year and 20 employees, the bank still doesn’t trust me with a credit card. Karat gets it. Banks don’t."

Nas Daily
Facebook Influencer, 15 million followers, Instagram Influencer 1.8 million followers.

“Karat is the card I wish I had two years ago. Banks gave me laughably low credit, forced me to fax documents like the mesozoic era, and treated me like I didn’t matter. Now I have the credit I need, the perks I want, and a fax machine that I can set on fire.”

YouTube Influencer, 2.8 million followers.

A card to grow your business

Instant savings
Cash back rewards that scale with your follower count
Better terms
We donʼt charge you fees or interest. Period.
Custom cards
Metal cards branded with your own logo
Instant revenue
We advance credit for sponsorship payments at no cost

A Card Based on your social stats.

Just 5 minutes to get started , no need for your social security number, and no effect on your credit score.

Let's get what you're actually worth. Share your tag and w'll get started

Forget bank applications. We care about:

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Our card is your canvas. Create your own laser etched card with a custom design.

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From a team you can trust

We' ve worked at the biggest social networks and big banks. Now we' re here to work for you.


Eric built products at Instagram for creators. He studied economics at Harvard.


Kevin Lin
Biz Stone
Steven Chen
Michael Ovitz
Kevin Mayer
Former CEO
Adam Nash
Former CEO
Mike Lu
Ankur Nagpal
Will worked in finance ar Kiva & Goldman Sachs. He studied computer science at Standford.