KeyBank Business Rewards Card

Earn, redeem, grow. All with no annual fee.1

 

KeyBank Business Rewards Credit Card art

Manage your expenses with a rewards card that gives you more. With KeyBank Business Rewards, you can earn up to 10 points per dollar spent2, plus welcome bonus points worth $200.3 Redeem your points for a statement credit4, travel, merchandise, gift cards and more.

 

Overview

Special Welcome Offer

Earn $200 worth of bonus points when you spend $1,000 in the first 60 days when you have a qualifying KeyBank checking account.3

Introductory APR

0% for the first 6 billing cycles on purchases and balance transfers made in the first 60 days.1 After that the regular APR will apply.

Purchase and Balance Transfer Regular APR

14.99% to 24.99% variable rate, based on creditworthiness.1

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

Unlimited rewards points

Earn 10 points per dollar (2% cash equivalent) spent on purchases including gas, travel, restaurants, and telecommunications.2 Earn 5 points per dollar on all other purchases.

Flexible reward redemption

Sign on to KeyBank Business Online® to redeem your points for statement credit4, travel, merchandise, gift cards, charity and more.

No caps on rewards

There’s no limit to the amount of rewards you can earn.

You Always Get

  • Employee cards at no additional cost
    Set individual spending limits, view and export employee expenses and earn rewards even faster.
  • $0 Liability Fraud Protection
    100% fraud protection, with no liability and at no cost to you.5
  • Automatic Payments
    Easily set up AutoPay so your business credit card payments are always taken care of.
  • Secure Online Business Banking
    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®
    Enjoy Mastercard ID Theft Protection, Mastercard Receipt Management, MasterRental insurance coverage and business discounts. Get details.

Open a KeyBank Business Rewards credit card today.

Top Questions about KeyBank Business Rewards Credit Card

You can redeem your rewards points easily and securely in KeyBank Business Online. Simply sign on to KeyBank Business Online and select “redeem” to choose a statement credit or direct deposit.

You can quickly and easily report your card lost or stolen and request a replacement card in KeyBank Business Online or 24/7 at 1-888-KEY4BIZ® (539-4249).

You’ll earn points every time you make a purchase with your KeyBank Business Rewards Card.
 

  • Earn 10 points per $1 spent on gas, travel, restaurants, and telecommunications. Those 10 points is a cash equivalent of 2% of every dollar spent in those categories.2
  • Earn 5 points per $1, that’s a 1% cash equivalent, for all your other purchases.6
  • Redeem your points for statement credit, direct deposit, travel, gift cards, charity donations and merchandise.

Managing your credit card online is fast and easy with KeyBank Business Online. Simply sign on, select your card from your list of accounts and select “Manage Card.”

Learn more about everything you can do in KeyBank Business Online.

The primary account holder may choose to set up additional authorized users in KeyBank Business Online. These users will be able to view balances, make payments, make transfers and more, depending on the access you allow. However, only the guarantors may redeem points.

Redeem your rewards today!

Sign on to KeyBank Business Online to redeem your rewards.

1

Please review the Rates & Fees and the cardmember agreement for full terms of the offer.

2

KeyBank does not have the ability to control how merchants choose to classify their business and therefore reserves the right to determine which purchases qualify for 10 points per dollar.

3

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.

4

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.

5

Reporting procedures must be followed. Refer to your cardmember agreement for details.

6

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.

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. 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 09/22/2022 and are subject to change after that date.

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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.

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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