Keybank Business Credit Card

Keybank Business Credit Card – Did you know that your daily spending can help you reach your financial goals faster? When used to make purchases, a cash back credit card can help you earn valuable rewards that can help you accelerate your financial goals.

Whether your goal is to save on everyday purchases or you have cool rewards that you can use toward any financial goal, cash back credit cards can be a powerful financial tool in your wallet.

Keybank Business Credit Card

If you’re interested in how a cash back credit card can accelerate your financial health, use the information below to explore how a cash back credit card can fit into your lifestyle to help you achieve your financial goals. You may find that even the things you buy every day can help you save

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Find the credit card that best fits your short-term and long-term plans and you deserve financial guidance to help you achieve your goals

Bonuses Some credit cards offer bonuses such as extra cash back when you first open and use your card. Bonuses help you achieve financial health by accelerating your savings in two ways

See how you can earn up to 2% cash back on every purchase with a cash back credit card.

Statement credits appear as an adjustment to your account, not as a payment. You must pay a minimum payment each month. Receiving a statement loan does not affect your obligation to pay the minimum payment shown on each statement you receive from the bank.

Male Hand Holds A Credit Card Or Business Card Isolated With Chroma Key Stock Photo

To qualify for the 2% cash back, you must have a bank checking account with deposits of $1,000 per month, transfers from other bank accounts, and a bank savings or investment account, excluding health savings accounts. The minimum daily balance is $1,000. If you don’t meet any of the above criteria after 1 month of account opening, you’ll get 1.5% cash back on all eligible purchases. We will determine within thirty (30) days of your previous Saturday whether you met with the Bank on the last Monday of each calendar month based on your deposits and account activity. If you do not meet the bank and savings criteria, your rate will be 1.5% for the next calendar month.

The information and recommendations contained in this document have been compiled from sources believed to be reliable, but are not intended to be accurate or complete. In providing this information, neither the Bank nor its affiliates are acting as your agent or providing any tax, accounting or legal advice.

By selecting any external link, you will leave the Bank’s website and go to an unprotected third-party website that offers a different privacy policy and level of security. THIRD PARTIES ARE RESPONSIBLE FOR WEBSITE CONTENT AND SYSTEM AVAILABILITY The Bank does not provide, endorse or recommend any product or service available on that organization’s website. Marketer Advisory Group’s look at the secured card market shows how the product has changed since the 2009 card law drove out hard-money lenders. Gone are the predatory lenders that offered $300 credit lines that only provided $50 of available credit after ridiculous administrative fees. In came established institutions such as Bank of America, Citi, Discovery, KeyBank and US Bank; Many credit unions also offer this option

Secured cards are a better option than using alternative data, says VSJ, as a way to unlock credit with low credit. Instead of abandoning the well-established use of FICO scores, secured cards take a consumer’s risk and hold funds against available credit to look for creditworthiness.

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Most credit card issuers require two customer credentials: a deposit to back up the line of credit and a checking account number (yes, even a new bank like Chime will work). A checking account is necessary to ensure that there is a way to make the monthly payments

With the credit volatility of COVID, secured credit card products are perfectly positioned for consumers or those looking to enter the credit card market. Here’s a great success story about how well KeyCorp’s program worked last year. KeyCorp’s paid magazine reports in 2019, so consider this an update

Any secured card program should be measured against two metrics: credit risk and graduation rate. The graduation rate examines the number of accounts that progress from secured card status to general purpose card status without the required protection.

No current bank has reported credit risk for secured cards Even with deposits with credit limits, there can still be nominal credit loss and fraud risk. Although banks typically do not report insured card expirations, KeyBank provides an annual overview

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As borrowers look to restructure their portfolios, secured cards open up opportunities for everyone. The requirements are low and the benefits are significant, and with KeyCorp’s case study, it’s a program for a wide range of customers and every credit card issuer. Choose a bank business credit card that lets you earn cash back, reward points, or streamline and improve your cash flow with no annual fee.

Separating your business and personal finances provides a clearer overview of income and expenses and makes it easier to manage taxes and cash flow. One way to do this is to charge your business expenses with a credit card for your business

Building a strong credit rating for your business can be an advantage when you plan to expand, purchase equipment, or incur other business expenses.

Track business credit card transactions with your Plus accounting software, get more out of what you already spend by earning rewards you can use to make your business more profitable

Physical Security Key

Find small business credit cards with 0% APR on purchases and balance transfers that you can use to benefit your business.

Note and compare the regular APR and any fees that apply to late payments, foreign transactions or chargebacks.

Find business credit card rewards with cash back or points that can easily be redeemed for valuable perks like travel discounts, merchandise, travel and more.

Your small business credit card should offer no-liability fraud protection, 24-hour card member service, cyber security, ID theft protection and more.

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If you’ve been approved for a small business bank credit card, you’ll usually receive a new card within 7-10 business days of opening your account.

For full offer terms, review Bank Business Card, Bank Business Rewards Card or Bank Business Cash Rewards Card pricing and fees and Card Member Agreement.

Business Cash Rewards customers receive 1.5% unlimited cash back on all purchases. You can earn a 0.25% bonus for keeping a bank checking account open and in good standing and maintaining an average daily balance of $2,000. You can also earn a 0.25% bonus for processing payments through an eligible merchant service. Go to Program Clover

Accounts are not eligible Merchant Services Program. Eligible purchases do not include any type of cash advance, balance transfer, overdraft protection transfer or credit. Certain exceptions apply. We determine whether you meet the bank’s criteria and process on the last Monday of each calendar month based on your deposit account status and processing activity. Bank Business Cash Rewards Program Terms and Conditions apply, subject to change and can be found here /

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To qualify for the $200 bonus, you must spend at least $1,000 on qualifying purchases with this credit card within 60 days of account opening. See the contract

Eligible purchases do not include cash advances, balance transfers, overdraft protection transfers or credit of any kind. Certain exclusions apply to the Bank Rewards Program Terms and Conditions and Points Guide apply, are subject to change and can be found here /

Statement credits appear as an adjustment to your account, not as a payment. You must pay a minimum payment each month. Receiving a statement loan does not affect your obligation to pay the minimum payment shown on each statement you receive from the bank.

Open a Business Rewards MasterCard Credit Card, maintain a business checking account in good standing and receive 100,000 bonus points – redeemable for $200 when you spend $1,000 in the first 60 days. Reward points are awarded based on net purchases and specifically exclude cash advances, balance transfers, convenience check transactions, overdraft protection transfers and quasi-cash transactions. See Terms and Conditions for additional information

Small Business Solutions

Bank N.A. Lender and issuer of this credit card under license from MasterCard International, Inc. MasterCard and Tap & Go are registered trademarks and the circle design is a trademark of MasterCard International Incorporated.

This page contains MasterCard benefits available to new credit card customers. If you already have a bank credit card, your MasterCard benefits may differ from those listed above. See the document you received when you opened your account or when you called

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