Credit cards and banking for creators

Mixing business and personal finances is how things get messy, stressful, and expensive during tax time. Get set up with a separate no-fee business bank account and credit card in 5 minutes.

Banking tools and services to power your business

High yield checking

Earn up to 2.75% APY on completely liquid cash balances

Easy payments

Move money with free ACH, wires*, tax-compliant bulk payments

Team management

Set different limits and permissions for your team and accountants

Extended coverage

Millions of dollars in FDIC insurance on your balances

Business Visa® cards

Physical and virtual cards for you and your team's expenses

Tax planning accounts

Automatically set-aside money for tax season while earning higher APY

Automated bookkeeping

AI-powered categorized transactions for tax-ready reports

Effortless invoicing

Create, send, and manage branded invoices from your bank account

A credit card that sees your real potential

Karat looks at your audience, your growth trajectory, and your actual business activity when underwriting your credit limit. You don't need a decade of business credit history to get started. You'll get a limit that makes sense and compelling rewards to kickstart your business.

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Business banking to stay organized

Karat Banking gives you a U.S. business checking account with no hidden fees and no overdraft fees. You can create up to five separate checking accounts to keep income, expenses, and operations organized. Everything runs through one dashboard, and your funds are FDIC-insured (up to millions of dollars per account) through our banking partner.

Plan and save for tax season

Karat's Automated Tax Planning (ATP) account automatically sets aside a portion of your income throughout the year. Funds are separated from your operating account and earn a higher APY while they sit. You'll also get access to AI Bookkeeping through Karat Premium where your transactions get categorized, your expenses are accounted for, and your reports get prepared. When tax season arrives, you're not scrambling.

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. Becoming a Karat client gets you access to exclusive events at SXSW, Vidcon, VidSummit, and more!

Get started with business banking for creators.