Laptop, mobile phone and Business Cash Rewards card on table

Small Business Credit Cards

Compare business credit cards with no annual fee.1

Choose a KeyBank business credit card that lets you earn cash back, rewards points or simplifies and improves cash flow, all with no annual fee.1

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KeyBank Business Cash Rewards Card

Earn up to 2% cash back on purchases.2

  • Unlimited cash back, no expiration, no categories.
  • 0% APR for 6 months on purchases and balance transfers (balance transfers must be made in the first 60 days of account opening to qualify for the introductory APR). After that, the variable APR will be 17.74% to 27.74% based on creditworthiness.1
  • Welcome Offer: $200 bonus cash back on $1,000 spent in the first 60 days.3
Rates & Fees
  • 17.74%-27.74%

    Regular APR
  • Yes

    Rewards
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KeyBank Business Rewards Card

Generous points with no limits, no deadlines.4

  • Redeem points for statement credit5, travel, gift cards, merchandise and more.
  • 0% introductory APR for 6 months on purchases and balance transfers (balance transfers must be made in the first 60 days of account opening to qualify for the introductory APR). After that, the variable APR will be 15.74% to 25.74% based on creditworthiness.1
  • Welcome Offer: 100,000 bonus points, a $200 value, on $1,000 spent in the first 60 days when you have a qualifying KeyBank checking account.6
Rates & Fees
  • 15.74%-25.74%

    Regular APR
  • Yes

    Rewards
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KeyBank Business Card

Build business credit, improve cash flow.

  • 0% introductory APR for 6 months on purchases and balance transfers (balance transfers must be made in the first 60 days of account opening to qualify for the introductory APR). After that, the variable APR will be 14.74% to 24.74% based on creditworthiness.1
  • Manage anytime with secure KeyBank Business Online® .
  • Detailed, easy to read statements.
Rates & Fees
  • 14.74%-24.74%

    Regular APR
  • No

    Rewards

You Always Get

Secure online business banking

Check in and manage your account anytime with easy-to-use KeyBank Business Online.

Fast, easy payments

Pay with the security of a chip card and the speed of contactless technology. 

No-cost employee cards

Set individual spending limits, view and export employee expenses and earn rewards even faster.

All the benefits of Mastercard®

Enjoy Mastercard ID Theft Protection, Mastercard Receipt Management, MasterRental insurance coverage and business discounts. Get details.

Top Questions about Comparing Small Business Credit Cards

Keep your business and personal finances separate
Keeping your business and personal finances separate provides a clearer view of earnings and expenses and simplifies taxes and cash flow management. One way to do this is to charge your business expenses to a credit card specifically for your business.

Build your business’s credit rating
Building a strong credit rating for your business would be an asset when you plan to expand, purchase equipment or have other business expenses.

Convenient spending, rewards and employee expenses
Keep track of business credit card transactions with your accounting software. Plus, get the most out of expenses you’re already making by gaining rewards you can use to further benefit your business.

Special Offers
Look for small business credit cards with 0% APRs on purchase and balance transfers that you can use to benefit your business.

APRs and Fees
Note and compare the regular APR and any fees that might be incurred for late payments, foreign transactions or return payments for example.

Rewards
Search for business credit cards with rewards like cash back or points that can be easily redeemed for valuable benefits like travel discounts, merchandise, travel, and more.

Annual Fee
Save money by finding a small business credit card with no annual fee.

Protection Benefits
Your small business credit card should offer zero liability fraud protection, 24-hour cardmember service, cybersecurity, ID theft protection and more.

When you apply for a KeyBank business credit card, you will be asked for information including:

Business information including:

  • Business Tax ID (or Social Security number for sole proprietors)
  • Legal business name and structure
  • Beneficial ownership
  • Date, country and state business was formed
  • Gross Annual Sales and net profit

 

Personal information including:
 

  • Social Security number
  • Date of birth
  • Name, address, email and phone
  • Your role in the organization
  • Personal income

If you’re approved for a KeyBank small business credit card, you'll typically receive your new card within 7-10 business days of account opening.

1

Please review the Rates & Fees for the KeyBank Business Card, KeyBank Business Rewards Card or KeyBank Business Cash Rewards Card and the cardmember agreement for full terms of the offer.

2

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 of any type, balance transfers, 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 Business Cash Rewards Program Terms and Conditions apply, are subject to change and can be found at key.com/bizrewards.

3

To qualify for the $200 bonus, you must spend at least $1,000 on qualifying purchases with this credit card within 60 days of account opening. See Terms and Conditions.

4

Eligible purchases do not include cash advances of any type, balance transfers, overdraft protection transfers or credits. Certain exclusions apply. The KeyBank Rewards Program Terms and Conditions and Points Guide apply, are subject to change and can be found at key.com/bizrewards.

5

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.

6

Open a Business Rewards Mastercard credit card and have a business checking account open in good standing and receive 100,000 bonus points - redeemable for $200 when you spend $1,000 within the first 60 days. Reward Points are awarded based on Net Purchases and specifically exclude Excluded Transactions such as cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers, and quasi-cash transactions. Please refer to the Terms and Conditions for additional information.

The creditor and issuer of this credit card is KeyBank N.A., pursuant to a license from Mastercard International Incorporated. Mastercard and Tap & Go are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

This page contains Mastercard benefits available for new credit card clients. If you already have a KeyBank credit card, your Mastercard benefits may be different from those listed above. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.

All credit products are subject to credit approval.

Rates, fees and other information contained within this disclosure are accurate as of 11/3/2022 and are subject to change after that date.

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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