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Business Rewards Credit Card

Manage your expenses with a card that can help you reach your business goals. With up to 2% unlimited cash back on purchases, plus a $200 welcome bonus, you can put your rewards right back into your business.1


Overview of product features.
Introductory APR

0% for the first 6 billing cycles on purchases and balance transfers made in the first 60 days.2

Regular APR

Variable, 12.74% to 22.74% based on credit worthiness.2

Annual Fee


Fraud Protection

Mastercard Zero Liability at no cost.3

Balance Transfer Fee

Either $10.00 or 4% of the amount of each transaction, whichever is greater.

Late Payment Fee

Up to $39.00.

Overdraft Protection Transfer Fee


Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

24/7 Lost & Stolen Reporting


Features and Benefits

Unlimited Cash Back

Earn 2% rewards on business purchases including gas, travel, restaurants and telecommunications.4

Earn 1% rewards on all other eligible spending.

Welcome Rewards

Plus, earn $200 in welcome points when you make $1,000 in purchases in the first 60 days, and have a qualifying KeyBank checking account.1

Flexible reward redemption

Redeem your points for cash back, travel, merchandise, gift cards, charity and more.

No caps on rewards

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

How It Works

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.4
  • Earn 5 points per $1, that’s a 1% cash equivalent, for all your other purchases.5

Enjoy these perks that come with being part of the Mastercard® business network:

Business Software Discounts

Discounts for software including QuickBooks, TurboTax and Intuit Payroll.

Cybersecurity and ID Theft Protection

Your team of identity theft resolution specialists is available online all day, every day to help resolve any issues that may occur.

Car Rental Insurance

Included with your business rental car when you pay with your KeyBank Business Card.

Travel Benefits

Global Emergency Services and access to Mastercard’s TPC Golf Privileges.


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.


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


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


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.


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

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.

Success Stories

Washington couple purchases Twede’s Café with help from KeyBank.


flexible terms to help you grow your business.

flexible terms to help you grow your business.

small business wellness review wins Monarch Innovation Award.

March 2019 small business wellness review wins Monarch Innovation Award.

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