Karat

Karat is a financial technology company, not a bank. Banking services are provided by Grasshopper Bank, N.A., Member FDIC, with cards pursuant to a license from Visa USA Inc. The FDIC’s deposit insurance only protects against the failure of an FDIC-insured bank.

Business banking for

• Influencers
• Business Owners
• Creatives
• Entrepreneurs

All-in-one banking so you can focus on what matters

Your business finances, all in one place.

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

Banking

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

Credit Card

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

Mass Payments

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

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.

Team and Org Management

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

Creator businesses love Karat

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

For creators, agencies, and growing businesses

Karat is built around how your money actually moves, whether you're managing brand deals, creating content, or selling goods or services.

Better business banking

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 1.75% APY on your checking balance, more than 10x what you get from other banks.*

*Based on an average publicly available interest rate of 0.00% APY at other banks. Rate as of 12/10/25.

Business credit cards that earn for your business

The Karat Card is a Visa® Business Credit Card with no annual fee and no foreign transaction fees that arrives custom engraved in stainless steel with your agency's logo. Choose between the Karat Credit Card and the Karat Max Card to get up to 3x the rewards on everything. Easily spin up new virtual and physical cards to manage and track spend across your team.

A community of creatives

Karat is more than just a banking platform - it's a community of content creators, agencies, and freelancers that co-exist in the creator ecosystem. Karat hosts parties and events bringing together our clientele for fun times and professional networking.