Karat

Karat gives creators and online businesses a smart business card and spending platform with rewards, higher limits based on real performance, and simple expense management.

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About Karat

Karat is modern finance for creators and online businesses. Open an account, get a business card, and manage spend in one place. Karat looks at the real signals of your work such as revenue and payment history to set limits that fit your growth. Track expenses, issue virtual and physical cards, and earn rewards on the tools you already use for content, ads, and software.

Built for creators, solo founders, and small teams, Karat streamlines the money side of shipping. Apply online, connect your platforms, and start spending with clear controls and clean statements. Consolidate ad spend, separate business from personal, and close the month faster with exports your accountant will love.

Why it matters now is simple. Cash flow powers growth. Karat helps you move quickly, keep finances organized, and reinvest in what works so you can focus on creating and building your audience.