Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
10.99% - 20.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10.99% - 20.99%(Verified 06/21/2024)
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Annual Fee
$0
Credit Score Range
670 - 850
KeyBank Business Card Review
This is a card issued by KeyBank. If you're wondering whether KeyBank Business Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 2 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: KeyBank Business Card has a variable regular purchase APR that ranges from 10.99% up to 20.99%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. KeyBank Business Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of KeyBank Business Card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 10.99% up to 20.99% . The card has a variable balance transfer APR that ranges from 10.99% up to 20.99% .
It also has a variable cash advance APR of 23.99%. Note that late payments are subject to an APR of 26.74% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 2 months from account opening.
This business card does offer an introductory APR rate on new purchases of 0% for a period of 6 months.
| Purchase APR | 10.99% - 20.99% |
| Balance Transfer APR | 10.99% - 20.99% |
| Cash Advance APR | 23.99% |
| Penalty APR | 26.74% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39 .
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $10 |
| Late Payment Fee | up to $39 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program.
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| Rewards Type | No Rewards | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.