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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
Unlimited 1.5% cash back
1%
Cashback on Groceries
Unlimited 1.5% cash back
1%
Cashback on other
Unlimited 1.5% cash back
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
0%
Period:
12 billing_cycles
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
for 12 months
Purchase APR
9.99% - 20.99% Variable 
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
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
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

Credit Card Consumer Reviews:

  1. No reviews available for this card.

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Apply online for Chase Freedom Unlimited ℠

Chase Freedom Unlimited ℠

  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
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Credit Needed:
Excellent/Good