Creator Credit Card with High Limits & 3x Rewards — Karat Visa® Business Card

Custom rewards for your spend

Experience custom design, better rewards, and the highest limits for creator businesses.

Limit 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 Concierge team anytime from 10am to 8pm ET.
Get rewarded for every dollar you spend
Get 1-3 points back on every dollar spent. Points can be redeemed for Times Square billboards, statement credits, and more.

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Trip Interruption Protection
Reimbursed for non-refundable hotels, flights, and prepaid expenses for covered emergencies.
Auto Rental Collision Damage Waiver
Covered for collision damage on most rental vehicles.
Extended Warranty Protection
Eligible purchases automatically get up to one additional year added to manufacturer warranties.
Travel and Emergency Assistance
24/7 access to medical referrals, legal assistance, and emergency travel help wherever in the world.
Purchase Theft and Damage Security
Eligible purchases are protected against theft or accidental damage for up to 90 days.
Zero Liability Protection
Coverage so you're not on the hook for unauthorized and fraudulent charges.
Retail Return Protection
Eligible purchases reimbursed for 90 days if the retailer won't accept the return.
No Foreign Exchange Fees
No fees on international purchases — spend abroad without penalty.

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

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.

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

@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!
@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!
@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.
@AlexandraBotez
Karat is the best business credit card for creators–they approved when other banks rejected me twice.
@RealEngineering
Despite running a top YouTube channel, I couldn't get help from traditional banks. Karat set me up with a real business card.
@GrahamStephan
Karat provided higher spending limits when vendors delayed paying us, supporting our coffee line.
@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.

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