The KEYBANK is a business credit card from KEYBANK. Application typically pulls a credit report from Experian. The annual fee is $0. The ongoing APR is 18.49% to 25.49% after a 0% introductory rate for 15 months. Rewards: Earn up to 2% cashback on every purchase.. Cash back: 2% on every purchase. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). [SOFT PULL ONLY] | EXPERT REFERENCE (Dec 2025): TJ walked away with $60,000 from KeyBank, no hard pull at all | EXPERT REFERENCE (Sep 2025): Approved for $60,000 in business credit without a hard credit pull. | EXPERT REFERENCE (Sep 2025): Used a two-year-old shelf corporation to apply, providing instant credibility. | EXPERT REFERENCE (Sep 2025): Listed personal income as $14,000/month and business revenue as $650,000, indicating a 26% profit margin. | EXPERT REFERENCE (Feb 2026): Typical no-doc range: up to $50K (often paired with a business credit card) | EXPERT REFERENCE (Feb 2026): Pulls: Experian