Business Credit Card FAQs

Business Credit Card Basics

It’s okay if you aren’t sure what the best option is for you and your business. Visit or call your local KeyBank branch and we will gladly talk through your options and help you apply for the card program that you decide best meets your business needs.

KeyBank business Mastercard credit cards come with many benefits, including:

Mastercard ID Theft Protection
Ensure your information is secure with world class identity monitoring, regular alerts and monthly identity risk snapshots.

Mastercard Receipt Management
Eliminate the hassle of receipt managements, easily upload receipts, export to existing software and create reports using data you select.

MasterRental insurance coverage
Gain insurance coverage for rented vehicles, also known as the Collision Damage Waiver.

Business Discounts
Save big on business tools like Salesforce Essentials, QuickBooks® Online, Microsoft Advertising and more.

An introductory rate is a promotional rate offered in connection with the opening of a credit card. If your credit card offers an introductory rate, note how long you have until the rate changes and what the regular rate will be. Refer to your Cardmember Agreement for full details.

Yes, business credit cards have different APRs for purchases, cash advances and balance transfers, and these will be clearly outlined in your disclosures, credit card agreement and monthly statements.

KeyBank business credit cards are embedded with a dual-interface contactless chip offering increased transaction security and more ways to pay. You can swipe the card, insert your chip, or simply tap to pay.

Compare KeyBank small business credit cards online and apply for yours by calling or visiting your local branchSchedule an appointment.

Managing My KeyBank Business Credit Card Account

There are several ways to access information about your account.

  • Sign on to KeyBank Business Online® to view your monthly statement
  • Call 1-888-KEY4BIZ® (539-4249) and follow the prompts
  • Visit a branch

  • Use a convenience check
  • Call 1-888-KEY4BIZ® (539-4249) and follow the prompts
  • Visit a branch

Yes, to increase your credit limit, call or visit your local KeyBank branch and submit an application for a higher credit line.

You can pay your monthly bill in one of the following ways:

  • Easily transfer funds in KeyBank Business Online
  • Visit a branch
  • Call 1-888-KEY4BIZ® (539-4249) to make a payment
  • Mail your payment

Send your payment by regular mail to the following address:
KeyBank
P.O. Box 89446
Cleveland, OH 44101-6446

To send your payment by overnight mail, use this address:
KeyBank Lockbox Services Attention:
Lockbox 89446
5575 Venture Drive
Parma, OH 44130

Yes. You can change your payment due date by visiting your local KeyBank branch or by calling 1-888-KEY4BIZ® (539-4249). Once changed, the new payment due date will take effect the next billing cycle.

Notify KeyBank as soon as you suspect unauthorized charges on your credit card. If the charges are fraudulent, KeyBank will file a dispute to reclaim those funds, issue you a new account number and close your current credit card account to prevent additional unauthorized charges. If the charges were placed on your account in error (e.g., a double charge from a merchant), KeyBank will file a dispute to correct the error and reclaim those funds.

Yes. To use your KeyBank credit card for a cash withdrawal at an ATM, you’ll need a personal identification number (PIN). For your security, we will mail a PIN to you at your request. Ask for a PIN when you activate your card. You can also request or change your PIN anytime by calling us at 1-855-426-3029.

To add or delete an authorized representative, please print, complete, and mail the Business Credit Card Authorized Representative Maintenance Form.

The form should be mailed to:
Cardmember Services
P.O. Box 89441
Cleveland, OH 44101-6446

  • Mark your card lost/stolen/damaged in KeyBank Business Online
  • Call 1-888-KEY4BIZ® (539-4249)

To alert KeyBank that you will be traveling and making purchases on your credit card:

Call 1-888-KEY4BIZ® (539-4249) or visit a branch

Online and Mobile Banking Benefits

KeyBank Business Online lets you manage your account on your time. To learn more, visit KeyBank Business Online.

Authorized users can view their card transactions within their own KeyBank Business Online account.

Use your mobile device and KeyBank Business Online to easily manage your Key Merchant Services account, make transfers and payments and pay bills. For other services, we recommend the full site experience of a laptop or computer. 

Yes. To set up email and text alerts, sign on or enroll in KeyBank Business Online and follow the prompts. 

Understanding Your Credit Score

Your business credit score is a number that helps financial institutions determine how likely your business is to repay debt. Every time your business applies for, uses, makes or misses a payment on a loan or credit card, you build another entry that raises or lowers that number on your business credit report.

We do not report your KeyBank business credit card account to personal credit bureaus.

All credit products are subject to credit approval.

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Call Us

888-KEY4BIZ (539-4249)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

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Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now

Branch locator

Find a Branch or ATM

Contact Us Icon

Call Us

888-KEY4BIZ (539-4249)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

Contact Us Icon

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now