Karat is a financial technology company, not a bank. Banking services and the Karat Visa® Business Banking Card are provided by Grasshopper Bank, N.A. and First Internet Bank of Indiana, Members FDIC, pursuant to separate licenses from Visa U.S.A. Inc. The FDIC's deposit insurance only protects against the failure of an FDIC-insured bank. The Karat Business Charge Card is issued by First Internet Bank of Indiana and Cross River Bank, Members FDIC, pursuant to separate licenses from Visa U.S.A. Inc.
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Karat business charge card
Loyalty Rewards Program

Redeem your points for exclusive discounts and offers.

As a loyalty member, you will receive early access to sales, special promotions, and personalized offers tailored just for you. Sign up today and start enjoying the perks!

Karat business charge card
Seasonal Sale 2023

Seasonal Sale is Here!

Take advantage of our seasonal sale with discounts up to 50% on a wide range of products. This is the perfect opportunity to stock up on your favorites!

Featured Products

Check out our featured products that are on sale this season. From electronics to home goods, we have something for everyone!

Shop now and save!
Karat business charge card
Refer a Friend Program

Share the Love!

Refer a friend to our services and both of you will receive a special reward. It's our way of saying thank you for spreading the word about us.

How It Works

For every friend you refer who makes a purchase, you will receive a discount on your next order. There’s no limit to how many friends you can refer!

Start referring today and enjoy the benefits!
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Limited Time Promotion

Don't Miss Out!

For a limited time only, enjoy a special promotion that offers significant savings on selected items. This is your chance to grab the best deals before they are gone!

How to Redeem

Simply use the code PROMO2023 at checkout to apply your discount. Hurry, this offer ends soon!

Act fast and save big!
Karat business charge card
Exclusive Offer for New Customers

Unlock Your Special Discount!

As a new customer, you are eligible for an exclusive discount on your first purchase. This offer is designed to welcome you to our community and provide you with the best value right from the start.

Why Choose Us?

We pride ourselves on delivering high-quality products and exceptional customer service. Our team is dedicated to ensuring your satisfaction, and we are here to assist you every step of the way.

Join us today and experience the difference!

Business banking

for business owners in

  • B2B Services

  • Home Services

  • Real Estate

  • Health & Wellness

  • Education

  • Consumer Services

  • Financial Services

  • Media

AI powered banking that helps you grow faster.

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Alexandra Botez, Karat memberGraham Stephan, Karat memberJane Ko, Karat member

Trusted by thousands of small business owners across the U.S.

Businesses love Karat

Top growing businesses use Karat banking to manage their finances and grow faster.

$1-10M revenue figure business consultancy

Loop Labs by 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.

8 figure revenue custom gaming PCs company

Starforge Systems

We've used Karat for our 8 figure gaming PC business for the past year. It's easy to use and we can call our banker if we have a question.

Graham Stephan, Karat member

Top real estate investor

Graham Stephan

Karat provided higher spending limits when vendors delayed paying us.

Alexandra Botez, Karat member

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.

Jane Ko, Karat member

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.

Your business finances, all in one place.

Many businesses juggle three to five apps just to manage their money. Karat brings banking, charge cards, bookkeeping, AP and AR into a single dashboard built for how you actually work.

Karat banking features illustration

Banking

High-yield business checking accounts with millions in FDIC insurance, no minimums, and up to 5 sub-accounts to organize by purpose

Karat business charge card

Charge Card

Custom rewards, personalized design, no annual fee, no FX fees, and credit limits based on your business revenue and performance, not just your credit score

Karat bulk payment feature

Mass Payments

Pay talent, contractors, and partners in bulk, domestically and internationally, with automated tax collection and 1099 generation

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Karat AI bookkeeping dashboard

AI Bookkeeping

Transactions are categorized automatically from Karat and external connected accounts. Real time P&L and financial reports are always ready to share

Invoicing

Create, send, and track invoices from your Karat account. Payments route directly to your checking account via ACH or wire

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Team and Org Management

Manage multiple business entities under one login, each with its own accounts, card, and employee permissioning

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For growing businesses

Karat is customized for the exact type of business you run.

Karat financial tools for small businesses

SMBs

A business bank account, charge card, bookkeeping, and invoicing in one place. No need to stitch together five tools just to manage cash flow.

Karat financial tools for talent agencies

Agencies

Pay your entire talent roster in one transaction. Manage multiple clients or entities under one login, with separate accounts and permissions for each.

Karat financial tools for media businesses

Freelancers

Banking and a charge card that understand irregular income. Get paid, set aside taxes automatically, and manage your business finances without juggling multiple apps.

Better business banking

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Get set up in 5 minutes with a business checking account with millions in FDIC insurance, free ACH transfers, and wire payments ready to go from day one. You'll also earn up to [premium_checking_rate]% APY on your checking balance, more than 10x what you get from other banks.*

*Based on an average publicly available interest rate of [standard_checking_rate]% APY at other banks. Rate as of [rate_effective_date]. See Grasshopper Bank Deposit Account Agreement Disclosures and First Internet Bank of Indiana Bank Account Agreement for more details.

Karat business banking features illustration

Business charge cards that earn for your business

The Karat Card is a Visa® Business Charge Card with no annual fee and no foreign transaction fees.

Earn up to 3x rewards on your spend and spin up new virtual and physical cards to manage and track spend across your team.

Step 2: Earn 3x rewards with Karat card

All-in-one banking for growing businesses

A single product for everything you want to accomplish with your money.