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Text Content

Karat Insights - How much should you be making?
New — Creator insights - find out how much your peers are making.
Learn more
Products

CARD

Cards and rewards built for creators

Our rewards include experiences and categories you’ll actually use and need.
Choose up to three categories. Tweak them every few months based on your
spending. Terms apply.

Designed for Creators
Skip hard credit checks
Get limits set based on socials + financials
Build your FICO credit score
+ much more. Learn here.

BOOKS

Our dedicated accounting and tax team understands the revenue and expenses,
write-offs, and other financial aspects of creator businesses, providing
hassle-free bookkeeping and tax preparation services that give creators insight
and peace of mind about their business finances.
What we offer
Monthly bookkeeping
Financial reports
Personal and business tax filings
Tax strategy sessions
+ more

PRODUCTS

Cards
Books

Why Karat?
Community
Resources

SUPPORT


Get customer support

Reach us by email and we’ll get back to you  within 24 hours.


Help center

Find the answers you need.

SUPPORT

Customer Support
Help Center
LoginGet started



THE CARD FOR CONTENT CREATORS

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Banks don’t understand creators. We do.
See if you qualify in under a minute.

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Karat in the wild.
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A card designed to help you grow.


GET HIGHER LIMITS

We give creators the spending power they need to power their growth.


BUILD YOUR CREDIT

Build your personal credit history so you can get your dream apartment, car, or
house.


A card that takes care of business


MAXIMIZE YOUR TAX SAVINGS

Track your business expenses to maximize your tax savings.


NEVER WORRY ABOUT FEES

No interest, no foreign transaction fees or fees of any kind.


A card that builds your brand


JOIN A CREATOR COMMUNITY

Join the Karat community for exclusive events with the biggest creators in the
world.


EARN UNIQUE REWARDS

Earn points to redeem for one-of-a-kind rewards, like having your face on a
billboard in Times Square.

How we compare


FEATURES


Chase
Amex

Hard credit pull

None

Yes

Yes

Annual fee

$0

$195

$695

Build personal credit

√

None

None

Higher limits based on socials

√

None

None

Perks unique to creators

√

None

None


FEATURES


Chase
Amex

Annual fee

$0

$195

$695

Build personal credit

√

None

None

Higher limits based on socials

√

None

None

Perks unique to creators

√

None

None

• ChaseAmerican Express
Chase• American Express
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.”

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.”

4.1m subscribers 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.”




FAQS

How do I save in taxes by writing off business expenses?

Your content-related expenses can all be potentially considered business
expenses by the IRS and eligible to write-off in taxes. For example, if you pay
your video editor $100, you might be able to save anywhere between $10 and $40
(depending on your tax bracket) off that expense if you write it off.

The Karat Card makes it easy to track and manage these business expenses. Our
dashboard gives a clear view of your spending. Plus, we offer Tax and
Bookkeeping services to keep things organized.

How does the rewards program work?

Earn 1-3 points on every dollar spent, based on custom spend categories that you
select when you join. You can redeem your points for billboards, custom merch,
podcast studio time, statement credit, and much much more (redemption rates
 vary). Or, trade points for statement credit at 100 points = $1.

Please see our Terms of Use for all terms and conditions.

How does Karat build my personal credit score?

You need a good credit score to get an apartment, car, or mortgage. The Karat
card helps creators build their credit score. As you pay off your Karat card
every month, we’ll help you build your credit history which will increase your
credit score over time.

How does paying off my Karat card work?

It’s super simple. At the end of every calendar month, you’ll be responsible for
paying off your balance (how much you spent that month). There’s no interest or
fees. Our autopay system makes this process seamless, and these on-time payments
will build your credit history.

Will applying affect my credit score?

Nope. Unlike with most other credit card companies, your credit will not be
impacted by applying.

What if I have more questions?

Feel free to DM us on Instagram @trykarat if you have any other questions!




SEE IF YOU QUALIFY FOR A KARAT CARD

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Karat Financial Technologies, Inc.
© 2023 All Rights Reserved
Karat is a financial technology company and not a bank. The Karat Charge Card is
issued by Cross River Bank, Member FDIC. See Privacy Policy, Card Program Terms,
and Cardholder Agreement. Karat Financial is not affiliated with Karat, Inc. at
http://www.karat.com



SLEEK METAL CARD

28 grams. Full metal.
Heaviest card on the market