Earn 3% Cash Back on Everything With the Karat 3X Rewards Card

3x rewards on all your spend.

Earn 3% cash back on all categories. Applying will not impact your credit. Terms Apply.

No annual fee

No FX fee

3% on everything

A card customized for you

Your alloy metal card is laser-etched with your logo.

Benefits & Perks

...and more

More credit for you

We look beyond just your credit score

We look at your social stats and finances so you can get the best limit.

You win by spending more

As you spend on your Karat Card, we’ll build your credit as well.

How it works

Open Karat Banking

To get your 3x rewards, you’ll repay the Karat Card everyday with Karat Banking.

.svg)

Pay from Karat Banking

You get 3% for daily autopay from Karat Banking. 2% for daily autopay otherwise.

.svg)

Earn 3x on your spend

Get a 3% discount on anything you buy. Save more on every purchase.

The card to grow your business

Spin up virtual cards, configure limits for your team, and turn off cards instantly.

Add employees, accountants, managers, and other owners. Set permissions for your team all in one place.

Thanks to our AI Bookkeeping tool, tax season is easy. We’ll automatically categorize your transactions to generate financial reports every month.

Creator businesses love Karat

Content creators, brand deal agencies, and digital entrepreneurs use Karat to power their business operations.

Testimonials

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.