Credit, banking, and growth capital. All in one place.
Bonus Rewards
Points are credited once a year, on your account anniversary.
Compare every feature
Users
Users included3 users10 usersUnlimited
Business credit card
Physical & virtual cardsPhysical & virtual cards
One physical card per user. Unlimited virtual cards.
UnlimitedUnlimitedUnlimitedFee-free daysFee-free days
Charge an expense today, get your statement in up to 31 days, then have up to 25 days to pay.
In total, that's 31 days on Core, 38 days on Plus, or 56 days on Max from first transaction to payment due.Up to 31 daysUp to 38 daysUp to 56 daysCredit limit reviewsEvery 6 monthsEvery 6 monthsEvery 3 monthsSecured credit option
Growth capital
Growth capital financing
Rewards
Rewards multiplier1x everything
4X international1.5x everything
3X dining and international
5x Keep Travel1.5x everything
3X dining and international
5x Keep TravelBonus rewards50,000 points when you spend $25,000 in a yearBonus rewards
Points are credited once a year, on your account anniversary.
Redeem for statement creditRedeem for Keep TravelPoints coverage on Keep Travel bookingsPay 50% of booking amount with pointsPay 100% of booking amount with pointsPay 100% of booking amount with points
Credit card payments
1-day statement payment clearing1-day statement payment clearing
Starts on your 4th statement payment, subject to a consistent payment history.
Interac paymentsInterac payments
Pay your Keep card balance by Interac e-transfer
1.5% fee (max $95)1 free/month, then 1.5% (max $95)3 free/month, then 1.5% (max $95)
Banking
Multi-currency accountsCAD, USD, GBP, EUR, and MXN accountsSend payments to over 100 countriesFX fee0%0%0%International wires (SWIFT)$15 per wire1 free/month, then $15 each3 free/month, then $15 each
Accounting
QuickBooks onlineAutomated receipt collection and matching
Support
Account managerDedicated AM with priority response timeEmail & phone support
Getting started in minutes
No branch visits. No paperwork. No waiting around.
Fast approvals
Get approved for high-limit business cards with no personal guarantee — decisions in minutes, not days.
Instant card creation
Issue physical and virtual cards to your team the moment you're approved. No delays, no back-and-forth.
Seamless onboarding
Set up your account, connect your team, and start spending in under 10 minutes. We built this for busy founders.
Dedicated support from day one
Real humans who help you get up and running fast — and stay available whenever you need them.
What our customers say
Every plan comes with the support, speed, and rewards our customers rave about. See what they're saying.
FAQ
Frequently asked questions
Can I change plans later?
Yes. You can upgrade at any time if your team grows or you need more benefits. Downgrades are available too, as long as your usage still fits the lower tier's limits (for example, you can't downgrade to Core if you have 6 active users).
Do I need to commit to a contract?
No long-term contracts. Keep is a monthly subscription — you can cancel anytime.
How do fee-free days work?
It's the total number of fee-free days you get from when you charge your card to when your balance is due. It works like this:
- Charge an expense to your card
- Up to 30 days later, you receive your statement
- You then have additional days to pay your balance in full
The number of fee-free days depends on your plan: Core gives you up to 31 days, Plus up to 38 days, and Max up to 56 days. The more fee-free days you have, the longer your float — giving your business more time to manage cash flow before payment is due.
How do rewards work?
All plans earn rewards on card spend. Core comes with our standard rewards program, while Plus and Max include premium rewards — higher earn rates on categories like travel, dining, and entertainment.
I'm applying through a partner. Does pricing work the same way?
Customers coming through our partner programs may qualify for partner-specific pricing. Check with your partner or reach out to our team to confirm what applies to your account.
Is Keep Travel included?
Yes, Keep Travel is included on all three plans — Core, Plus, and Max.
Is there a free plan?
No. Every Keep customer is on a paid subscription. We believe in transparent, predictable pricing — no hidden fees, no surprise charges based on usage.
What's included in each plan?
All plans include unlimited virtual and physical cards, access to Keep Travel, and full access to our expense management tools. The difference between tiers comes down to three things: your fee-free days, your rewards rate, and how many users you need.
- Core ($79/mo) — Up to 31 fee-free days, standard rewards, up to 3 users
- Plus ($119/mo) — Up to 38 fee-free days, premium rewards, up to 10 users
- Max ($199/mo) — Up to 56 fee-free days, premium rewards, unlimited users
Which plan is right for my business?
Pick your plan based on two things: how many people on your team need cards, and how much float (extra time before paying your statement) you want on your spend.
If you're a small team (1–3 users) and standard rewards work for you, Core is the fit. If you have a growing team (4–10 users) or want premium rewards, go with Plus. If you have 11+ users or need the longest possible fee-free days, Max is built for you.