More cash flow.
Better rewards.
Built for teams.
The Keep Business Mastercard comes with higher limits, better rewards, and smarter spending controls. Built for the Canadian businesses the Big 5 keep underestimating.
Everything the Big 5 makes hard, made obvious.
A better business card isn't one feature. It's more room in the month, more back on every dollar you were already spending, and fewer hours spent reconciling what your team spent last week.
More room in the month
Pay when the money has actually arrived, not when the statement says so.
More back on every dollar
Points on everything you already buy, with nothing capped and nothing expiring.
Fewer hours at month-end
Everyone spends on their own card, inside limits you set once.
Nothing to wait for
Apply online. No branch visit, no personal guarantee, no relationship manager to win over.
The cash flow cushion your bank won't extend.
Flexible payments for larger purchases
Some months carry more than their share — a bulk inventory order, equipment for a new hire, a repair you didn't plan for. Paying over time spreads that statement into weekly payments, so one heavy month doesn't set the whole quarter back.
Weekly payments across the year
Your statement balance breaks into small weekly payments for a flat fee you see before you commit. No application, no new account — just a setting.
Pay ahead or pay it off, anytime
Put extra toward the balance whenever cash allows, or clear it entirely. No penalty either way, and the fees you haven't reached yet come off.
Switch back whenever you want
Turn it on for the months you need it. Turn it off when you don't.
Team spending, with the oversight built in.
Everyone who needs to spend either has a card already or has to come to you first. One of those is a control problem. The other puts you in the middle of every purchase.
A card for everyone who needs one
One free physical Mastercard per person, plus unlimited virtual cards for subscriptions, vendors, and one-off purchases. No reimbursements to process, and no shared card number to keep track of.
Set the limit once. Stop policing it.
Give every card its own ceiling and watch transactions land in real time, not two days later. You set the rules once instead of approving purchases one at a time.
Receipts turn up on their own
Your team texts or emails a photo and Keep matches it to the transaction automatically. You stop asking. They stop forgetting. Month-end stops being a negotiation.
Freeze, unfreeze, or close a card in seconds
Something looks wrong, or someone leaves? Freeze the card from your phone, unfreeze it once it's sorted, or close it for good.
The very best rewards for Canadian businesses.
Compare credit cards for Canadian business.
Keep
3x on FX & dining
5x on Keep Travel
Amex Business Platinum
2x on travel & business services
TD Business Travel Visa
2x on Air Canada;
1.5x on gas, groceries, travel
RBC Avion Visa Infinity
Scotiabank Gold Amex Business
5x on gas, groceries, restaurants
BMO AIR MILES Business
CIBC Aventura Business
One platform for how businesses move money.
The card is often just the start.
Business accounts
Hold and pay in multiple currencies.
Global payments
Send to 100+ countries at 0% FX markup.
Growth capital
Growth financing with transparent terms and no hidden fees.
Keep travel
Book flights with points, no blackout dates.
Expense automation
Receipts, coding, and reconciliation that run themselves.
Mobile app
Run your business from your pocket.
What our customers say
8 minutes now. More time saved every week after.
No branch visit and no paperwork. Applying won't affect your personal credit score,⁴ and every plan starts with a 90-day free trial.
FAQ
Frequently asked questions
Who is Keep for?
Keep is for small and medium-sized Canadian businesses looking to simplify their expense management, especially those frustrated with the big banks!
Where can I use a Keep card?
Keep cards can be used worldwide, anywhere MasterCard is accepted. Generate virtual cards for use by yourself and your employees, and, starting in February 2024, order a physical card for in-person use. Keep cards are meant to be used for business expenses, and therefore some purchase categories are prohibited. To view a list of prohibited activities, click here.
What is the interest rate?
None. Keep is fee-free when your balance is paid at the end of each statement period. Need more time? We offer low fee statement extension plans to ensure your business never goes without.
What is a virtual card?
A virtual card is a digital card number, expiry, and CVV that you can use to make online purchases or payments made over the phone. It is just like a regular credit card, without the piece of plastic attached.
What are the card limits?
Our credit limits can range from $1k - $1M.
How many cards can I have at once?
With Keep, you are able to create as many cards as your business needs!
How is Keep able to offer such high limits?
We are able to offer higher limits than traditional banks by using real time data to make sure we can get you the right limits when you need them, without all the red tape. The longer you spend with Keep, the higher your limit will go!
How do statement extensions work?
The card balance is due in full at the end of each statement period, unless a statement extension is requested. There is a pre-authorized debit in place so you do not have to worry about making the payment each month, only need to ensure the funds are available for payment.
Do Keep cards work outside of Canada?
Yes, use Keep cards anywhere MasterCard is accepted.
Can l issue virtual cards to my employees?
Yes! Virtual cards can be issued to individual employees for their day-to-day business expenses or for specific purposes. By providing each employee or expense grouping with a separate card, your financial reporting and insights will become clear and easy to manage.
Can Keep store and match receipts for expenses?
Absolutely! Easily store and match receipts to transactions on Keep cards to make reconciliation a breeze.
Can I set spending limits on my employee's cards?
Easily and instantly set daily, weekly, or monthly spending limits on your cards depending on your business needs.
Are virtual cards secure?
We keep your account secure with 24/7 fraud monitoring, ID theft, and purchase protection. Our fraud team is always standing by to assist with any concerns!