3x rewards on all your spend.
Earn 3% cash back on all categories. Applying will not impact your credit. Terms Apply.
No annual fee
No FX fee
3% on everything
A card customized
for you
Your alloy metal card is laser-etched with your logo.
Benefits & Perks
Trip Interruption Protection
Auto Rental Collision Damage Waiver
Extended Warranty Protection
Travel and Emergency Assistance
Purchase Security
Zero Liability Protection
Return Protection
...and more
More credit for you
We look beyond just your credit score
We look at your social stats and finances so you can get the best limit.
You win by spending more
As you spend on your Karat Card, we’ll build your credit as well.
How it works
Open Karat Banking
To get your 3x rewards, you’ll repay the Karat Card everyday with Karat Banking.
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Pay from Karat Banking
You get 3% for daily autopay from Karat Banking. 2% for daily autopay otherwise.
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Earn 3x on your spend
Get a 3% discount on anything you buy. Save more on every purchase.
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.
Thanks to our AI Bookkeeping tool, tax season is easy. We’ll automatically categorize your transactions to generate financial reports every month.
Businesses love Karat
Top growing businesses use Karat banking to manage their finances and grow faster.
$1-10M revenue figure business consultancy
Loop Labs
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.
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.
8 figure revenue custom gaming PCs company
Starforge Systems
I've used Karat for my $XM/yr gaming PC business for the last year. It's easy to use and I can just call my banker if I have a question