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Last Updated: 05/14/2026

KeyBank Business Rewards Card

from KeyBank

Last Updated: 05/14/2026

KeyBank Business Rewards Card logo
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Highlights

Purchase APR (Variable APR)

11.99% - 21.99%(Verified 06/21/2024)
Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

11.99% - 21.99%(Verified 06/21/2024)
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Annual Fee

$0

Credit Score Range

650 - 850

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KeyBank Business Rewards Card Review

This is a rewards card issued by KeyBank. If you're wondering whether KeyBank Business Rewards Card is the right card for you, read on.

Key Takeaways

  • Business credit card with generous reward rate. You can get a rewards rate of up to 10 reward points per dollar spent.
  • 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 2 months.
  • APRs: KeyBank Business Rewards Card has a variable regular purchase APR that ranges from 11.99% up to 21.99%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
  • A 3% balance transfer fee. KeyBank Business Rewards 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 Rewards credit card

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 11.99% up to 21.99% . The card has a variable balance transfer APR that ranges from 11.99% up to 21.99% .
It also has a variable cash advance APR starting at 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 2 months.

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.

Does it offer a cash back or rewards program?

Yes, KeyBank business Rewards credit card offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
  • Gas stations
  • Restaurants

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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.

KeyBank Business Rewards Card logo

Message from KeyBank business Rewards credit card

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

Contact

Headquarters

127 Public Square
Cleveland, OH 44114
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Rating not yet determined
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Purchase APR

10.99% - 20.99%
Disclaimer popup with additional information

Balance Transfer APR

10.99% - 20.99%
Disclaimer popup with additional information

Annual Fee

$0

Credit Score Range

670 - 850

300

850

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SuperMoney Net Recommendation Score

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-1000+100
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The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

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