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top creators love us

Our featured creators are Karat members, investors,
and supporters of the creator community.

4.5M SUBSCRIBERS on youtube

@GrahamStephan

"Karat provided higher spending limits when vendors delayed paying us, supporting our coffee line.”

alexandra botez

1.3M FOLLOWERS ON TWITCH

@AlexandraBotez

“Karat is the best business credit card for creators–they approved when other banks rejected me twice.”

21m followers on facebook

@NasDaily

“I have over $3M in revenue per year and 20 employees, but traditional banks still don’t trust me. Karat gets it.”

real engeeniring

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.”

1.4M LISTENERS ON SPOTIFY

@3LAU

“Karat has been my go to card for everything business. Compared to others, Karat’s customer service and rewards system are far superior.”

How we help

Insights

Make more money

Are you good at engaging with your community or maybe you're better at brand deals? We analyze your financial & social stats to identify your strengths.

See how you compare

Learn how you compare to other creators similar to you. See what you're doing better and where you can improve.

Understand your business

We compare your stats with anonymized data from thousands of other top creators. Our mission is to help creators run their businesses better. By trying our calculator, you're providing knowledge that helps everyone.

Make more money

Are you good at engaging with your community or maybe you're better at brand deals? We analyze your financial & social stats to identify your strengths.

See how you compare

Learn how you compare to other creators similar to you. See what you're doing better and where you can improve.

Understand your business

We compare your stats with anonymized data from thousands of other top creators. Our mission is to help creators run their businesses better. By trying our calculator, you're providing knowledge that helps everyone.

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Banking

Put your money to work

With up to 2.00% APY*, you'll earn more money on your deposits every year, compared to traditional savings accounts that offer lower interest rates.

Based on an average publicly available interest rate of 0.01% APY at other banks and provided that the average monthly balance exceeds $35,000.

Join waitlist Learn More

No hidden fees

Just pay $10 to send wires - that's it

Join waitlist Learn More

Keep your money safe

Your money's deposited with our partner bank where it's covered by a government FDIC guarantee

Join waitlist Learn More

Put your money to work

With up to 2.00% APY*, you'll earn more money on your deposits every year, compared to traditional savings accounts that offer lower interest rates.
‍

Based on an average publicly available interest rate of 0.01% APY at other banks and provided that the average monthly balance exceeds $35,000.

No hidden fees

Just pay $10 to send wires - that's it

Keep your money safe

Your money's deposited with our partner bank where it's covered by a government FDIC guarantee

Join waitlist Learn More

Karat is a financial technology company, not a bank. Banking services provided by an FDIC member institution.

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Credit Card

Limits based on social stats

Old-school banks don’t get it. We give you limits based on your socials + cashflow so you can focus on creating.

Apply Now Learn More

Fast live chat

You deserve a partner that keeps up with you–chat with our certified financial planner and our Concierge team whenever.

Apply Now Learn More

Get rewarded for your spend

Get 1-3 points back on every dollar spent. Points can be redeemed for Times Square billboards, statement credits, and more.
See our creator-specific rewards

Apply Now Learn More

Limits based on social stats

Old-school banks don’t get it. We give you limits based on your socials + cashflow so you can focus on creating.

Fast live chat

You deserve a partner that keeps up with you–chat with our certified financial planner and our Concierge team whenever.

Get rewarded for your spend

Get 1-3 points back on every dollar spent. Points can be redeemed for Times Square billboards, statement credits, and more.

See our creator-specific rewards

Apply Now Learn More

Karat is a financial technology company and not a bank. The Karat Visa®️ Business Credit Card is issued by by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA

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See our custom creator-specific
rewards categories

Ad Spend

Amazon

Merch Inventory

Paypal

Travel

Dining

Camera Equipment

Fitness/Gym

Games

Gas

Men & Women's Apparel

Electronics

Groceries

Subscriptions

Auto parts

Cosmetics

Taxes

Don't get f*cked on taxes

Our tax partners will help you file for taxes on time, handle payroll, incorporate you - and even save you money.
‍
After you apply, we'll connect you with a vetted tax partner that that's integrated with our systems and the right fit for you.

Fully customized packages

We partner with tax firms that specialize in working with creators and creator economy clients - so they actually understand what you need

One-on-one tax strategy

When you work with our partners, you get a real human being on the other side. Ask them questions, ask for help - ask them anything!

Fully customized packages

We partner with tax firms that specialize in working with creators and creator economy clients - so they actually understand what you need

One-on-one tax strategy

When you work with our partners, you get a real human being on the other side. Ask them questions, ask for help - ask them anything!

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Oops! Something went wrong while submitting the form.

Featured In

forbes

NW times

cnbc

fast company

spotify

Karat in the wild

Karat Users Made Over:

$2.4 billion

in 2023

Supported by

We've raised over $100M from investors, founders, and creators

UVS

Y combinator

signal fire

youtube

CAA

3LAU

Charlie Chang

Ask Sebby

Andy Mc Cune

Alexandra Botez

Alexandra_Botez

Craig Hung

Carter Sharer

Austin Hankwitz

Austin_Hankwitz

Humphrey Yang

Jack Neel

Gibi Asmar

Enes Yilimazer

Graham Stephan

Heath Hussar

Jaeki Cho

Griffin Johnson

Griffin_Johnson

Jared Leto

Lenny Rachitsky

Lenny_Rachitsky

JUSTAMINX

Joey Rogoff

Jane Ko

Ludwig

Lizzy Capri

Marina Mogilko

Nick DiGiovanni

Nick_DiGiovanni

Nate O'Brien

Nebula

Parth Detroja

MOISTCR1TIKAL

Real Engineering

Real_Engineering

Nas Daily

Pat Flynn

Will Smith

Sam Kolder

Wendover Productions

Wendover_Productions

Tejas Hullur

The Credit Shifu

The_Credit_Shifu

Thomas Frank

Ryan Prunty

Tierzoo

Toddy Smith

3LAU

Charlie Chang

Ask Sebby

Andy Mc Cune

Alexandra Botez

Alexandra_Botez

Craig Hung

Carter Sharer

Austin Hankwitz

Austin_Hankwitz

Humphrey Yang

Jack Neel

Gibi Asmar

Enes Yilimazer

Graham Stephan

Heath Hussar

Jaeki Cho

Griffin Johnson

Griffin_Johnson

Jared Leto

Lenny Rachitsky

Lenny_Rachitsky

JUSTAMINX

Joey Rogoff

Jane Ko

Ludwig

Lizzy Capri

Marina Mogilko

Nick DiGiovanni

Nick_DiGiovanni

Nate O'Brien

Nebula

Parth Detroja

MOISTCR1TIKAL

Real Engineering

Real_Engineering

Nas Daily

Pat Flynn

Will Smith

Sam Kolder

Wendover Productions

Wendover_Productions

Tejas Hullur

The Credit Shifu

The_Credit_Shifu

Thomas Frank

Ryan Prunty

Tierzoo

Toddy Smith

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Karat is a financial technology company and not a bank. The Karat Visa®️ Business Credit Card is issued through Cross River Bank, Member FDIC and pursuant to a license by Visa USA. Banking services provided by TransPecos Banks, SSB, Member FDIC, with debit cards pursuant to a license from Visa USA Inc. See Privacy Policy, Card Program Terms, and Cardholder Agreement. Karat Financial is not affiliated with Karat, Inc. at http://www.karat.com

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