The Credit Key is a business credit card from Credit Key. Approval typically requires a credit score of 600 or higher. 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 (Nov 2025): Soft pull approval only (Equifax) — NO hard inquiry at all! | EXPERT REFERENCE (Nov 2025): Minimum 600 FICO | EXPERT REFERENCE (Nov 2025): Minimum $40,000 annual business revenue | EXPERT REFERENCE (Nov 2025): Must be a registered U.S. business (LLC, Corp, etc.) | EXPERT REFERENCE (Nov 2025): Personal guarantee required — but still soft pull only | EXPERT REFERENCE (Nov 2025): Instant Approval limits go up to $50,000 | EXPERT REFERENCE (Nov 2025): 0% APR Net-30 terms, with options up to 12 months (fees range from 1–5%) | EXPERT REFERENCE (Nov 2025): Reports to DUNS (1-month lag) | EXPERT REFERENCE (Nov 2025): 20% of limit ($1,250) is instantly spendable ANYWHERE via virtual or physical Mastercard | EXPERT REFERENCE (Nov 2025): Some people get up to 50% of their limit unlocked | EXPERT REFERENCE (Nov 2025): Includes a physical card and the ability to spend outside the vendor network