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New — Karat Business Banking

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Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC, with debit cards pursuant to a license from Visa USA Inc.
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Banking

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Credit Card

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Banking

Put your money to work

With up to 2.00% APY*, you'll earn more money on your deposits every year, compared to traditional savings accounts that offer lower interest rates.

Based on an average publicly available interest rate of 0.01% APY at other banks and provided that the average monthly balance exceeds $35,000.
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No hidden fees

Just pay $10 to send wires - that's it

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Keep your money safe

Your money's deposited with our partner bank where it's covered by a government FDIC guarantee

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Thousands of dollars in savings

Unlock exclusive discounts and perks* from top tier partners including Epidemic Sound, YT Jobs, CapCut, Beacons, Stan, Notion, Spotter, Insta360, Giggster, and many more.

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Up to 2.00% APY Interest

Setup your business to grow beyond the algorithm. Put your money to work by earning interest on your checking account*. Assuming a $35K minimum balance, earn $700 a year.

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Tax & incorporation help

Karat’s partners can help incorporate your business, complete your taxes, and even help with wealth management.

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* See Business Deposit Account Agreement Disclosure for details.
Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC, pursuant to a license from Visa USA Inc.
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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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Apply NowLearn 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.

card
Fast live chat

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

notifications
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

creator
Apply NowLearn More
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, and pursuant to a license from Visa️ USA
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creator

See our custom creator-specific
rewards categories

Ad Spend
Amazon
Merch Inventory
Paypal
Travel
Dining
Camera Equipment
Fitness/Gym
Games
Gas
Men & Women's Apparel
Electronics
Groceries
Subscriptions
Auto parts
Cosmetics
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top creators love us

Our featured creators are Karat members, investors,
and supporters of the creator community.

graham
4.5M SUBSCRIBERS on youtube
@GrahamStephan

"Karat provided higher spending limits when vendors delayed paying us, supporting our coffee line.”

alexandra botez
1.3M FOLLOWERS ON TWITCH
@AlexandraBotez

“Karat is the best business credit card for creators–they approved when other banks rejected me twice.”

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."

nas daily
21m followers on facebook
@NasDaily

“I have over $3M in revenue per year and 20 employees, but traditional banks still don’t trust me. Karat gets it.”

real engeeniring
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.”

creator
1.4M LISTENERS ON SPOTIFY
@3LAU

“Karat has been my go to card for everything business. Compared to others, Karat’s customer service and rewards system are far superior.”

Featured In
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Karat Users Made Over:
$2.8 billion
in 2023

Karat in the wild

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We’ve raised over $100M from investors, founders, and creators
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Craig Hung
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Humphrey Yang
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Jack Neel
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Gibi Asmar
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Enes Yilimazer
Enes_Yilimazer
Graham Stephan
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Heath Hussar
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Jaeki Cho
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Griffin Johnson
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Jared Leto
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Lenny Rachitsky
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JUSTAMINX
JUSTAMINX
Joey Rogoff
Joey_Rogoff
Jane Ko
Jane_Ko
Ludwig
Ludwig
Lizzy Capri
Lizzy_Capri
Marina Mogilko
Marina_Mogilko
Nick DiGiovanni
Nick_DiGiovanni
Nate O'Brien
Nate_O'Brien
Nebula
Nebula
Parth Detroja
Parth_Detroja
MOISTCR1TIKAL
MOISTCR1TIKAL
Real Engineering
Real_Engineering
Nas Daily
Nas_Daily
Pat Flynn
Pat_Flynn
Will Smith
Will_Smith
Sam Kolder
Sam_Kolder
Wendover Productions
Wendover_Productions
Tejas Hullur
Tejas_Hullur
The Credit Shifu
The_Credit_Shifu
Thomas Frank
Thomas_Frank
Ryan Prunty
Ryan_Prunty
Tierzoo
Tierzoo
Toddy Smith
Toddy_Smith
3LAU
3LAU
Charlie Chang
Charlie_Chang
Ask Sebby
Ask_Sebby
Andy Mc Cune
Andy_McCune
Alexandra Botez
Alexandra_Botez
Craig Hung
Craig_Hung
Carter Sharer
Carter_Sharer
Austin Hankwitz
Austin_Hankwitz
Humphrey Yang
Humphrey_Yang
Jack Neel
Jack_Neel
Gibi Asmar
Gibi_Asmar
Enes Yilimazer
Enes_Yilimazer
Graham Stephan
Graham_Stephan
Heath Hussar
Heath_Hussar
Jaeki Cho
Jaeki_Cho
Griffin Johnson
Griffin_Johnson
Jared Leto
Jared_Leto
Lenny Rachitsky
Lenny_Rachitsky
JUSTAMINX
JUSTAMINX
Joey Rogoff
Joey_Rogoff
Jane Ko
Jane_Ko
Ludwig
Ludwig
Lizzy Capri
Lizzy_Capri
Marina Mogilko
Marina_Mogilko
Nick DiGiovanni
Nick_DiGiovanni
Nate O'Brien
Nate_O'Brien
Nebula
Nebula
Parth Detroja
Parth_Detroja
MOISTCR1TIKAL
MOISTCR1TIKAL
Real Engineering
Real_Engineering
Nas Daily
Nas_Daily
Pat Flynn
Pat_Flynn
Will Smith
Will_Smith
Sam Kolder
Sam_Kolder
Wendover Productions
Wendover_Productions
Tejas Hullur
Tejas_Hullur
The Credit Shifu
The_Credit_Shifu
Thomas Frank
Thomas_Frank
Ryan Prunty
Ryan_Prunty
Tierzoo
Tierzoo
Toddy Smith
Toddy_Smith

What are you waiting for?

Apply. It’s time to grow.

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 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, 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.

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