activate your new KeyBank Business Cash Rewards credit card.
Sign on to online banking, the mobile app or call 855-426-3029.
The path to growth starts here. At KeyBank, we love creating new opportunities for small businesses. Your new KeyBank Business Cash Rewards credit card comes with a number of benefits designed to help your business grow.
With your new KeyBank Business Cash Rewards card, you can earn up to 2% unlimited cash back on purchases1 — no categories, no expiration dates and no annual fees.
Your special KeyBank Business Cash Rewards credit card introductory offers
Earn $200 when you spend $1,000 in the first 60 days of account opening.2
0% APR on purchases and balance transfers for 6 billing cycles (balance transfers must be made within 60 days of account opening). After the introductory period, your standard variable APR will apply. Your APR is available in your account opening materials or at KeyBank Business Online®.
Watch your mail for your bonus convenience checks, which can be used for balance transfers or purchases.
See how much your business can earn.
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. Please visit the applicable banking product pages on key.com for specific terms and conditions, or visit any KeyBank branch to discuss what products may be appropriate for you.
Additional Features
- Up to 2% cash back
Qualify for 2% cash back on purchases when you also have a KeyBank business checking account and a Key Merchant Services account — each adds a .25% bonus to your base cash back earn rate of 1.5%.1 - Unlimited cash back
There’s no cap on how much you can earn, no categories for spending and no expiration dates. And there is no annual fee! - Rewards management
Sign on to KeyBank Business Online® to redeem your rewards as a statement credit or direct deposit to an account of your choice.3 - Employee cards4
Employee cards at no additional cost. Set individual spending limits, view and export employee expenses and earn rewards even faster. - AutoPay
Easily set up AutoPay so your business credit card payments are always taken care of. - Secure and convenient
Pay with the security of a chip card and the speed of contactless technology. - Mastercard® benefits
100% fraud protection.5 Enjoy Mastercard ID Theft Protection, Mastercard Receipt Management, MasterRental insurance coverage and business discounts. Get details.
Manage your account on your time with KeyBank Business Online®.
If you need help getting set up or using KeyBank Business Online, you can call us at 1-888-KEY4BIZ® (539-4249).
Frequently Asked Questions
Activate your card online or call us at 1-855-426-3029 and follow the prompts.
- Use a convenience check
- Call 1-888-KEY4BIZ® (539-4249) and follow the prompts
- Visit a branch
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.
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.
Yes. 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.
KeyBank Business Online lets you manage your account on your time. To learn more, visit KeyBank Business Online.
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.
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.
Find more answers to frequently asked questions on our Business Credit Card FAQ page.
1
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
2
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.
3
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 17.74% to 27.74% (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 27.74%. 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.
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
Client may request expedited card delivery for an additional fee. See terms and conditions for full details.
6
Subject to terms and conditions in Service Agreement.
7
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 10/30/2025 and are subject to change after that date.