Karat was designed for creators and creative-led businesses.
Our specialized underwriting has provided 80% more capital to our members. Our rewards include categories not offered by other banks, returning more money to your bottom line. And our concierge service leads the industry in satisfaction scores.
Additionally, we offer Certified Financial Planning to help with corporate structuring, planning, and taxes. We also host events for creators and creatives to network, learn, and advance their goals.
Here’s how we compare to other cards on the market:
| Karat | Chase | Amex |
Eligibility | No credit score required | 690+ credit score | 690+ credit score |
Annual fee | None | $0–$550 | $0–$695 |
Interest | None | Up to 23% | Up to 24% |
Employee cards | Free | Varies | Varies |
Foreign transaction fees | None | 3% | 3% |
Rewards | 1–3x custom categories | 1–5x selected categories | 1–5x selected categories |