Frequently asked 1uestions

Yes — every Keep Card purchase earns points, with no caps. Your rate depends on your plan: Core earns 1x on standard purchases and 4x on international spend, while Plus and Max earn 1.5x on everything, 3x on dining and international, and 5x on Keep Travel bookings.

Our team is standing by to help you by phone, video chat, or email. Contact us at support@trykeep.com, or call/text +1-866-460-5337 for inquiries.

Keep is available in all provinces, with the exception of Quebec. Our team is hard at work to begin supporting Quebec-based businesses, so stay tuned!

Our privacy policy ensures the security of your data through various measures such as 24/7 fraud monitoring, data encryption, and secure account access. We prioritize the protection of your information and provide detailed information on their privacy practices. Learn more here.

Keep is an all-in-one finance platform for small and medium-sized Canadian businesses, offering corporate credit cards, expense management, multi-currency accounts, and growth capital solutions. Payroll, payment processing, and invoicing solutions are coming soon.

Yes! We integrate with Quickbooks and provide CSV exports.

Unlike our big bank counterparts, there is no lengthy form or weeks of waiting - the entire application takes just 10 minutes.

Your application can get approved within 3 business days.

Ensure you have the following on hand to sign up for Keep in under 10 minutes:
1. Your business information such as business type, company size
2. Your incorporation or registration number and date
3. 6 months of proof of business revenue, such as sales invoices or contracts
4. A valid government ID, social security number (if applicable), and registered address to verify your identification

To underwrite your Keep corporate card, we require the most recent 6 months of business bank transactions. This information is obtained through our partnership with Canadian fintech, Flinks, for a one-time, read-only access to your banking transactions or by accepting the most recent 6 months of bank statements in PDF format as an alternative.

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!

Easily and instantly set daily, weekly, or monthly spending limits on your cards depending on your business needs.

Absolutely! Easily store and match receipts to transactions on Keep cards to make reconciliation a breeze.

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.

Yes, use Keep cards anywhere MasterCard is accepted.

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.

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!

With Keep, you are able to create as many cards as your business needs!

Our credit limits can range from $1k - $1M.

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.

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.

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.

Keep is for small and medium-sized Canadian businesses looking to simplify their expense management, especially those frustrated with the big banks!

Keep Capital is designed to assist in the growth of your business, regardless of what that may mean for your business. Typically, Keep Capital users utilize the funds to acquire inventory, expand their advertising reach, finance substantial invoices, and pursue other business objectives. Keep Capital can be accessed and utilized within your Keep account whenever needed!

Your repayment amount will be clear and transparent upon receiving your Capital offer, and selecting your repayment term (anywhere from 1 to 12 months). Each payment will be billed directly from your bank account so you never miss a payment.

Keep Capital fees vary depending on your repayment terms. We offer fixed repayment terms lasting up to 12 months. On average, Keep Capital fees are at times half of the fees of private lenders.

Solve your cash flow issues with Keep Capital, a pre-approved funds available within your Keep multi-currency account. Keep Capital is similar to a traditional line of credit but comes with fixed repayment terms of up to 12 months.

To qualify for Keep Capital, you must have been a Keep Card user for 3 or more months. Your original Keep application will be used to determine your eligibility for Keep Capital. To ensure your business is eligible, our team may request additional information, such as a profit & loss statement, any current loan contracts or other business documents.

Yes, Keep makes it easy to exchange funds same-day between currencies with transparent and low FX rates.

Yes! Each currency account has instructions for you to pass to those sending you funds. Easily receive wire transfers, or ACH payments where applicable directly to your account.

Yes! Easily send money locally or internationally from any of your Keep currency accounts to an individual or business with low wire fees of $15 per domestic or local wire.

Using multiple methods to ensure the lowest possible foreign exchange rate, Keep offers significantly lower rates than the big 5 banks, typically around $35 cheaper per every $1,000 converted. For higher value foreign conversions, we are also able to offer even lower rated depending on your monthly volume.

Keep offers accounts in CAD, USD, MXN, GBP and EUR. We are working to add more offerings to this list so stay tuned!

Keep offers the ability to instantly and easily open a local bank account in 5 currencies, USD, EUR, GBP, MXN, and CAD. This means you can send local payments in respective countries, I.e. ACH payments in the US and SEPA payments in Europe, saving you $ and time.

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

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.

No. Every Keep customer is on a paid subscription. We believe in transparent, predictable pricing — no hidden fees, no surprise charges based on usage.

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.

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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.

No long-term contracts. Keep is a monthly subscription — you can cancel anytime.

Yes, Keep Travel is included on all three plans — Core, Plus, and Max.

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.

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).

Your higher benefits — rewards rate, extra free transfers, higher user limit — apply immediately. The higher price starts at your next billing cycle, with no mid-cycle charge. (Fee-free days are the exception — see the question regarding fee-free days below)

Both the lower benefits and the lower price take effect at your next billing cycle — you keep your current plan's full benefits through the end of the cycle you've already paid for. You can only downgrade once your usage fits the lower plan e.g., 3 users or fewer for Core. (Fee-free days are the exception — see the question regarding fee-free days below)

Some benefits will — a lower plan includes fewer, so it's worth reviewing before you switch. For example, moving from Plus to Core:

• Rewards: everyday spend earns 1x (down from 1.5x), and you lose the 3x on dining and 5x on Keep Travel
• Fee-free days: 31 on Core, down from 38 (Plus) or 56 (Max) — this is the buffer you get after your statement closes to pay your balance. On Core — your payment is due the next day after statement closes — versus roughly a week on Plus and about 3–4 weeks on Max. So downgrading to Core means much less time to pay after each statement
• Keep Travel: points cover up to 50% of a booking on Core, vs 100% on Plus and Max
• Free transfers: Core doesn't include free Interac or SWIFT transfers
• 1-day statement clearing: not included on Core
• Users: up to 3 on Core

No. Billing only ever changes at your next billing cycle. There's no prorated charge when you upgrade, and nothing to refund when you downgrade.

No. When you upgrade, the higher multiplier applies only to spend from the moment you upgrade onward; earlier spend earns at your previous rate.

Yes. Earned points stay in your account — only your earn rate going forward changes.

Fee-free days are tied to your card statement, not your subscription — so a change (up or down) takes effect from your next statement period, not the next business day or next billing cycle. Any statement already open keeps its current fee-free terms.

They're counted per billing cycle and don't roll over; your new plan's allotment applies once the new plan is active.