See how much your business can earn.1
If you spend
per month at 2% cashback, you will earn:
$ 50 /mo
$ 600 /yr
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Calculators do not include the fees and restrictions that certain products may have.
Overview
| Special Welcome Offer | Earn $200 bonus cash back when you spend $1,000 in qualifying purchases in the first 60 days.2 |
|---|---|
| Introductory APR | 0% intro APR for 6 billing cycles on purchases and balance transfers made in the first 60 days. After that, the 18.24% to 28.24% variable rate will apply.3 |
| Purchase and Balance Transfer Regular APR | 18.24% to 28.24% variable rate, based on creditworthiness.3 |
| Annual Fee | $0.00 |
| Balance Transfer Fee | $10.00 or 4% of each transaction, whichever is greater. |
| Late Payment Fee |
Up to $39.00. |
| Overdraft Protection Transfer Fee | $0.00 |
| Minimum Interest Charge | If interest is charged, the minimum will be $0.50. |
Features and Benefits
Earn up to 2% unlimited cash back rewards
Qualify for 2% cash back on purchases when you also have a qualifying KeyBank business checking account and process payments through a qualifying Key Merchant Services account, each adds a .25% bonus to your base cash back earn rate of 1.5%.1
Grow your rewards without limits
With this rewards card, your cash back is unlimited. There’s no cap on how much you can earn, no categories for spending and no expiration dates.
Redeem your cash back easily
Sign on to KeyBank Business Online® to redeem your rewards as a statement credit or direct deposit to an account of your choice.4
You Always Get
- Employee cards at no additional cost5
Set individual spending limits, view and export employee expenses and earn rewards even faster. - Automatic Payments
Easily set up AutoPay so your business credit card payments are always taken care of. - Secure Online Business Banking6
Manage your account anytime, anywhere with KeyBank Business Online. - Fast, easy purchases
Pay with the security of a chip card and the speed of contactless technology. - All the benefits of Mastercard®
100% fraud protection.7 Enjoy Mastercard ID Theft Protection, Mastercard Receipt Management, MasterRental insurance coverage and business discounts. Get details.
Open a KeyBank Business Cash Rewards credit card today.
Top Questions about KeyBank Business Cash Rewards Credit Card
Redeem your rewards today!
Sign on to KeyBank Business Online to redeem your rewards.
Business Cash Rewards customers earn 1.5% unlimited cash back on all purchases. You can earn a .25% bonus for having a KeyBank business checking account, open and in good standing, and maintaining an average daily balance of $2,000. You can also earn a .25% bonus for processing payments through a qualifying Key Merchant Services program. Clover Go® accounts are not a qualifying Key Merchant Services program. Eligible purchases do not include cash advances (such as the purchase of cash or cash equivalents, including casino chips, lottery tickets, or money orders), ATM disbursements, balance transfers, person-to-person money transfers, use of any Convenience Checks, interest on your Account, unauthorized or fraudulent charges, fees of any kind, overdraft protection transfers or credits. Certain exclusions apply. We will determine whether you have met the bank and process criteria on the last Monday of each calendar month, based on your deposit account status and processing activity over the thirty (30) calendar days prior to the immediately preceding Saturday. The KeyBank Rewards Program Terms and Conditions and Points Guide apply, are subject to change and can be found at https://www.key.com/small-business/banking/credit-cards/keybank-business-cash-rewards-mastercard-cardmember-agreement.html
To qualify for the $200 bonus, you must spend at least $1,000 on qualifying Purchases within 60 days of account opening. Cash back is awarded based on Net Purchases and specifically excludes transactions such as Cash Advances of any type, Balance Transfers, Convenience Checks, Overdraft Protection transfers, and Quasi-Cash transactions. Please refer to the Business Cash Rewards Program Terms and Conditions for additional information.
The 0% introductory APR is valid for the first 6 billing cycles on Purchases and Balance Transfers and does not apply to Cash Advances. Thereafter, the variable APR for Purchases and Balance Transfers is 18.24% to 28.24% (depending on your creditworthiness). Balance Transfers must be made within 60 days of account opening for introductory APR to apply. The variable APR for Cash Advances is 28.24%. Cash Advance fee: 5%, $10 minimum. Convenience Check fee: 4%, $10 minimum. Cash Equivalent fee: 5%, $10 minimum. Balance Transfer fee: 4%, $10 minimum. Overdraft Protection Transfer fee: $0. There is a $0.50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of each foreign purchase transaction in U.S. dollars. Transactions originating in Canada are excluded from this fee.
Statement credits appear on your bill as an adjustment and not as a payment. You are required to make your minimum payment due each month. Receipt of a statement credit does not affect your responsibility to pay your minimum payment shown on each statement you receive from KeyBank.
Client may request expedited card delivery for an additional fee. See terms and conditions for full details.
Subject to terms and conditions in Service Agreement.
Reporting procedures must be followed. Refer to your cardmember agreement for details.
The creditor and issuer is KeyBank N.A., pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
This page contains Mastercard benefits available for new credit card clients. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.
Rates, fees and other information contained within this disclosure are accurate as of 12/19/2024 and are subject to change after that date.
