Charge cards and banking for creators
Mixing business and personal finances is how things get messy, stressful, and expensive during tax time. Get set up with a separate no-fee business bank account and charge card in 5 minutes.
Banking tools and services to power your business
Tax planning yield
Earn [standard_atp_rate]% APY on your Automated Tax Planning balance
Easy payments
Move money with free ACH, wires*, tax-compliant bulk payments
Team management
Set different limits and permissions for your team and accountants
Extended coverage
Millions of dollars in FDIC insurance on your balances
Business Visa® cards
Physical and virtual cards for you and your team's expenses
Tax planning accounts
Automatically set-aside money for tax season while earning [standard_atp_rate]% APY
Banking card cash back
Earn 1% cash back on every Karat Banking Card purchase
Effortless invoicing
Create, send, and manage branded invoices from your bank account
A charge card that sees your real potential
Karat looks at your business activity and cashflow when underwriting your credit limit. You don't need a decade of business credit history to get started. You'll get a limit that makes sense and 1x points on every purchase to kickstart your business.
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Business banking to stay organized
Karat Banking gives you a U.S. business checking account with no hidden fees and no overdraft fees. You can create up to five separate checking accounts to keep income, expenses, and operations organized. Everything runs through one dashboard, and your funds are FDIC-insured (up to millions of dollars per account) through our banking partner.
Plan and save for tax season
Karat's Automated Tax Planning (ATP) account automatically sets aside a portion of your income throughout the year. Funds are separated from your operating account and earn [standard_atp_rate]% APY while they sit. When tax season arrives, you're not scrambling.
A community of creatives
Karat is more than just a banking platform - it's a community of content creators, agencies, and freelancers that co-exist in the creator ecosystem. Karat hosts parties and events bringing together our clientele for fun times and professional networking. Becoming a Karat client gets you access to exclusive events at SXSW, Vidcon, VidSummit, and more!
Get started with business banking for creators
Join the Karat Community