Rewards on every dollar you spend

Earn points on every purchase with 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

Earn 1 point for every dollar spent. Points can be redeemed for statement credits.

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.

@username

@your-username

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.

Every card transaction lands in your Karat dashboard with monthly statements, so you always know where your business stands.

Businesses love Karat

Top growing businesses use Karat banking to manage their finances and grow faster.

$1-10M revenue figure business consultancy

Loop Labs by 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.

8 figure revenue custom gaming PCs company

Starforge Systems

We've used Karat for our 8 figure gaming PC business for the past year. It's easy to use and we can call our banker if we have a question.

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.

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.