The KeyBank is a business credit card from KeyBank. Application typically pulls a hard report from Experian. The annual fee is $0.00. The ongoing APR is 17.74% to 27.74% variable rate, based on creditworthiness (page accurate as of 10/13/2026) after a 0% intro APR for 6 billing cycles on purchases and balance transfers made in the first 60 days. introductory rate for 6 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: $200 bonus cash back when you spend $1,000 in qualifying purchases in the first 60 days.. Rewards: Unlimited 1.5% cash back on all purchases; +0.25% with a qualifying KeyBank business checking account (open, good standing, $2,000 average daily balance); +0.25% for processing through a qualifying Key Merchant Services program; up to 2% total; no categories, no cap, no expiration. Cash back: 1.5% - 2%. Typical credit limit: $5,000 - $50,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).