What's next for Karat

Hey.

You built profitable creator businesses in 2025.

Lots of you did it quietly, behind the scenes, with less fanfare than your view counts might suggest. Some of you scaled hard. Some of you pivoted. Some of you just kept showing up, month after month, building something real.

And we were here for all of it.

2025 was a big year for us at Karat, too. We started it as a credit card company and ended it as something different: a full financial home for creators, with banking, taxes, and credit all working together.

Here’s a look at what we built in 2025.

Better Banking

We launched a new business bank account designed for creators. It’s connected to the same Karat dashboard you already use, and it does things traditional banks don’t: automatically set aside estimated tax payments, track business versus personal expenses, and keep your finances organized without extra work.

The bank account is built on real infrastructure, FDIC insured, and pairs seamlessly with the Karat Card. A lot of you have been asking for this. We’re glad we finally got to build it.

Tax Filing for Creators

We launched Karat Tax. It’s a full tax filing service built specifically for creators—not a generic tax software that technically works but doesn’t understand how creator income is structured.

Karat Tax includes creator-specific deductions, support for multi-platform income, and actual humans who know what a brand deal looks like on a 1099. It starts at $299 for self-employed creators.

A lot of you have been doing your taxes the hard way. Karat Tax is meant to fix that.

The Karat Card Kept Getting Better

The Karat Card is still the foundation. And it kept improving in 2025.

We launched a new Cash Back card tier, so creators who prefer simplicity over rewards optimization now have a clean option. We expanded our 5% cash back categories based on what you actually spend money on as a creator: ads, software, and camera gear.

We also made the underwriting smarter. More creators got approved in 2025 than in any previous year. Our model keeps getting better at understanding creator income, and that shows up in approval rates.

Milestones Worth Mentioning

We crossed 100,000 creators on the Karat platform. That number still feels surreal to say out loud.

The average creator on Karat has been with us for 2.7 years. That’s not a fluke. You stay because it works.

We’ve now processed over $1.5 billion in creator spending across the Karat Card. That’s real money moving through real creator businesses.

What’s Coming in 2026

We’re not ready to announce everything yet, but we can tell you what we’re focused on.

We’re doubling down on the integration between banking, taxes, and credit. The goal is a financial system where your income flows in, your taxes are handled automatically, your expenses are tracked, and your credit line reflects the actual health of your business. We’re closer to that than we’ve ever been.

We’re also investing in the creator tax product. Filing your taxes as a creator is still harder than it should be, and we think there’s a lot more we can do to fix that.

And we’re building more ways to help creators who are earlier in their career—people who are making real money but don’t yet have the history that traditional financial institutions want to see.

Thank You

Six years ago, we started Karat because we believed creators deserved better financial tools. We still believe that. And the fact that over 100,000 of you have trusted us with your financial lives is something we don’t take lightly.

Thank you for building with us.

The Karat Team