Points · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
KeyBank Business Rewards is a no-annual-fee points card from KeyBank. It earns 10x on every purchase with no categories to track. Rewards are Key2More Rewards points that only spend inside that program, so we value them at about 0.1¢ each.
On our reference budget of $73,200 a year it returns about $732, an effective 1% back. The welcome bonus, 100,000 points after $1,000 in 60 days, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do. It charges 3% on foreign purchases, so leave it home when you travel abroad.
Earn 100,000 bonus points (equal to $200 cash back) when you spend $1,000 in the first 60 days.
Gain insurance coverage for rented vehicles, also known as the Collision Damage Waiver.
Earn 10 points per dollar (2% cash equivalent) spent on purchases including gas, travel, restaurants, and telecommunications. Earn 5 points per dollar on all other purchases.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| KeyBank Business RewardsThis card · 10x on everything | None | $732 | +$732 | 472nd of 752 |
| KeyBank Business Cash RewardsKeyBank's most-held other card · 2% on everything | None | $1,464 | +$1,464 | 10th of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
