Last Updated: 04/18/2025
Keys FCU Visa Business Rewards Credit Card
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
Up to 18%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
Up to 18%(Verified 06/21/2024)
Annual Fee
$0
Credit Score Range
650 - 850
Keys FCU Visa Business Rewards Credit Card Review
This is a rewards card issued by Keys Federal Credit Union. If you're wondering whether Keys FCU Visa Business Rewards Credit Card is the right card for you, read on.
Key Takeaways
- 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 2% balance transfer fee. Keys FCU Visa Business Rewards Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 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 1% 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 Keys FCU Visa Business Rewards Credit Card
| The Good | The Bad |
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What are the relevant APRs?
It has a variable purchase APR of up to 18%. The card has a variable balance transfer APR of up to 18%. The card has a variable cash advance APR of up to 18%. Note that late payments are subject to an APR of 18% 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 2.9%
This business card does offer an introductory APR rate on new purchases of 2.9% for a period of 25 months.
| Penalty APR | 18% |
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 $35 .
- A returned payment fee of up to $25.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 | 1% |
| Balance Transfer Fee | 2% |
| Minimum Balance Transfer Fee | $10 |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | $25 to $35 |
Does it offer a cash back or rewards program?
Yes, Keys FCU Visa 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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | Starting at 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Gas stations
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.
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Message from Keys FCU Visa Business Rewards Credit Card
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