A rate card is a creator's pricing sheet for sponsored work — the fees for a feed post, a Reel or TikTok, a Story series, usage rights, and exclusivity. Rates vary by follower count, engagement, niche, and deliverable, and negotiation around them (plus whitelisting and usage terms) is central to influencer deals. For brands running programs at scale, understanding rate cards is basic budgeting discipline and a check against overpaying for reach that doesn't convert.