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About Our Ratings
Credit Needed
Excellent

KeyBank MasterCard® BusinessCard Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
None

This card compared to other cash back cards

Card Name
KeyBank MasterCard® BusinessCard
Cashback on Gas
1%
5% Earnings for $5k and 2% after
Cashback on Groceries
1%
5% Earnings for $5k and 2% after
Cashback on other
5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
5% Earnings for $5k and 2% after
Purchase Intro
APR:
0%
Period:
12 billing_cycles
APR:
0%
Period:
14 months
APR:
0% intro on purchases
Period:
12 months
Purchase APR
9.99% - 20.99% Variable 
11.24% - 23.24% Variable 
13.15% - 23.15% (V) (V)
CardRatings.com Editorial Staff

KeyBank MasterCard® BusinessCard details

Balance Transfer Intro APR:
0%
Balance Transfer Intro Period:
12 billing_cycles
Purchase Intro:
APR:
0%
Period:
12 billing_cycles
Purchase APR:
9.99% - 20.99% Variable
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 prime
 
 
Margin:
 6.74 - 17.74
 6.74 - 17.74
 20.74
APR:
  9.99% - 20.99% Variable
 9.99% - 20.99% Variable
 23.99% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 0%
 0%
 None
Intro Period:
 12 billing_cycles
 12 billing_cycles
 none


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 28.99% Variable
Default/Penalty Margin:
 25.74
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 The Penalty APR may be applied to your account if you make payments 5 calendar days late twice or 30 calendar days once; or make a payment that is returned; or if you exceed your credit limit 2 times in 12 consecutive months.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 2% - 3%
Late Fee:
 $19 min. - $39
Over-the-limit Fee:
 Up to $39
Balance Transfer Fee:
3% ($5 min. )  


Notes:

Rebate Description:
 N/A
Special Notes:
 Payment due date is 24 - 30 days after the close of each billing cycle. Interest will not be charged on purchases if you pay your entire balance by the due date each month. For cash equivalent advances the fee is $20 or 4%, whichever is greater. Overdraft Protection $10 (not all products offer overdraft protection).For credit lines $25,000 and higher, please contact Cardmember Service. Penalty APR: The Penalty APR may be applied to your account if you make payments 5 calendar days late twice or 30 calendar days once; or make a payment that is returned; or if you exceed your credit limit 2 times in 12 consecutive months. Penalty APR applies until you make 6 consecutive minimum monthly statements when due and do not exceed your entire balance by the due date each month. Intro APR: Loss of Introductory APR: card issuer may end your introductory APR and apply the standard APR or penalty APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. Balance Transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater. Foreign Transaction Limit Fee Notes: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Late Fee Notes: $19 on balances up to $100, $29 on balances from $100 up to $250, $39 on balances of $250 or more. Returned Payment fee: Up to $35.
Credit Card More Information:

Card Issued By:
 Elan Financial Services for KeyBank
General Correspondence Address:
PO Box 6354
Fargo, ND 58125
Card Type:
 MasterCard
Card Class:
 Classic/Standard
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 N/A
Credit Limit Notes:
 See Special Notes

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Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO(R) Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good
Apply online for BuyPower Card from Capital One®

BuyPower Card from Capital One®

  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.15% - 23.15% variable APR on purchases will apply
Credit Needed:
Excellent/Good