Creator-Friendly Pricing
The Karat Standard plan is free forever—business checking, ACH transfers, and creator tools with no monthly fees.
Standard
Karat Premium
Business Checking Accounts*
Exclusive VIP Invitations to Events
Savings & Perks
APY Yield on Checking
0.00%
1.75%
APY Yield on Tax Savings Account
0.75%
2.75%
ACH & Incoming Wires
Free
Free
Outgoing Domestic Wires
$20
Free
AI Bookkeeping
X
Free
$20 /mo
*Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC.
Pricing FAQ
What’s included in the free Standard plan?
The Standard plan is free forever and includes a business checking account (0.75% APY on your tax savings account), free ACH transfers, free incoming wires, and access to the Karat Visa® Business Credit Card. No monthly fee, no minimums.
What does Karat Premium add?
Karat Premium ($20/mo) upgrades your APY to 1.75% on checking and 2.75% on your tax savings account, unlocks AI bookkeeping, makes outgoing domestic wires free (vs. $20 on Standard), and includes exclusive VIP event invitations.
It’s built for creators who are scaling their business and want more from their financial tools.
Are there foreign transaction fees on the Karat card?
No — the Karat Visa® Business Credit Card has zero foreign transaction fees. You can spend internationally without any penalty or surcharge.
Can I switch between Standard and Karat Premium?
Yes — you can upgrade or downgrade at any time from your account dashboard. Changes apply immediately with no lock-in period or cancellation fee.
Is my money FDIC insured?
Yes. Banking services are provided by Grasshopper Bank, N.A., Member FDIC. Your deposits are insured up to applicable FDIC limits.
How is my Karat card credit limit determined?
Karat evaluates your limit based on your social media reach, platform revenue, and business performance — not just your personal credit score. Most creators get a decision in minutes without impacting their credit.
Creator businesses love Karat
Content creators, brand deal agencies, and digital entrepreneurs use Karat to power their business operations.
7.2M Subscribers on YouTube
@TooTurntTony
Love the platform is built with creators in mind. Very responsive to new feature requests like invoicing and mobile apps, making the creator back end much easier and all on one platform!
134K Followers on YouTube
@AprilynneAlter
Karat makes it easy to keep track of my business. It integrates so seamlessly with everything I want it to, and I love how much interest I’m earning with just a checking account!
10.2M Subscribers on YouTube
@IsaiahPhoto
I use Karat for two of my businesses and it’s a breeze. Really great APY and concierge support that I never got from a traditional bank.
1.3M Followers on Twitch
@AlexandraBotez
Karat is the best business credit card for creators–they approved when other banks rejected me twice.
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.
4.5M Subscribers on YouTube
@GrahamStephan
Karat provided higher spending limits when vendors delayed paying us, supporting our coffee line.
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.