The Karat Card is a Visa Business Credit Card for creators, underwritten on business and social activity.
The Karat Card is a Visa Business Credit Card for creators and growing businesses, offering higher credit limits based on business and social activity rather than traditional credit scores. It carries no annual fee and no foreign transaction fees, with custom rewards of up to 3x on creator-relevant spend and a personalized card design.
Karat positions the card within a broader all-in-one financial platform that includes business banking, AI bookkeeping, mass payments, invoicing, and team management, so creators can run their finances in one place. Credit limits are underwritten using business and social metrics, making approval accessible for influencers, creatives, and business owners.
| Attribute | Karat Card | Creator Card | |
|---|---|---|---|
| Provider |  |  | |
| Founded | 2019 | 2020 | |
| Sells To | Small Business | Enterprise, Small Business | |
| Pricing Model | Recurring | Recurring, SaaS | |
| Ownership | Venture-backed | Venture-backed |
Provider
Founded 2019
Sells To Small Business
Pricing Model Recurring
Ownership Venture-backed
Provider
Founded 2020
Sells To Enterprise, Small Business
Pricing Model Recurring, SaaS
Ownership Venture-backed
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