Business Credit Cards

A business credit card offers the flexibility to finance purchases and streamline expenses. It also allows you to build your business credit history, track purchases and even earn cash-back rewards.

A business credit card is specifically designed for the needs of your business, enabling you to differentiate between business and personal expenses, manage cash flow and oversee employee expenditure.

With your KeyPoint business credit card, you’ll get numerous benefits, such as a year-end summary to help you track expenses by category, card monitoring tools and discounts from hundreds of brands with Visa SavingsEdge^®.

When you apply for a KeyPoint business credit card, you will be asked for information about yourself and your business—including your business’s total annual revenue and Tax ID Number or Employer ID Number.

Like a Social Security Number for an individual, the IRS assigns a nine-digit number to nearly every U.S. business for tax compliance. This business tax ID is required for business card applications for all business structures except for sole proprietorships.

Business credit cards require the owner or an authorized officer who can borrow on behalf of the business to apply. Applicants should be U.S. residents or a non-citizen U.S. resident with a US address (foreign business clients are not eligible to apply online at this time).

Yes, you can apply online. Visit KeyPoint Business Credit Card to learn more.

Yes, your business name will appear below the individual cardholder name on each card that you request.

If you applied online, you can log back into our online application system to see if there is an updated status (although we will call or email you as soon as we have a decision).

You can also contact us for an update!

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page.

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Credit cards are typically delivered within 7-10 business days after application approval.

Once your application is approved, you may also visit any KeyPoint branch to receive your card instantly.

There's no limit to the number of cards you can request. The Business Credit Card User Authorization Form must be submitted to designate any new or additional cardholders.

For assistance, please contact our Contact Center at (888) 255-3637 or visit any KeyPoint branch

Yes. After your account is open and you have made at least 1 payment, you can request a due date change by contacting our Contact Center at (888) 255-3637.

Please note that you can only make 1 due date change throughout the duration of your account.

Credit card payments can be made through Online or Mobile Banking. To make a one-time payment or set up automatic recurring payments, select Transfers and then External Accounts. Follow the instructions provided.

You can also transfer money from your KeyPoint Checking or Savings account to your credit card. To do this, select Transfers and follow the instructions provided on the Transfers Between Accounts tab.

Credit card payments are also accepted over the phone, in-person at any KeyPoint branch or sent by mail to KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

A minor fee is charged as a percentage of the total transactions made for purchases abroad or in currencies other than US Dollars. For remote purchases, the seller’s location determines whether the transaction is made abroad.

Access your account securely online anytime via your laptop, tablet or computer. Online Banking lets you check balances, pay bills, transfer money and more.

Or access on the go with Mobile Banking. Just download KeyPoint's Mobile app from the App Store or Google Play and register to get started.

You can change your KeyPoint account address by signing into Mobile or Online Banking, selecting Settings and then Profile.

If you lost your credit card, please contact us immediately so we can block the card and prevent fraud on your account. You can receive a new card instantly at any KeyPoint branch! If you would like us to mail a new card, it will take three to five business days.

There are several ways to report a lost or stolen card.

• Log in to Online Banking or the Mobile app.
• Choose your Account.
• Select Card Services, then Report Card Lost/Stolen.
• Follow the instructions.
• We will investigate the charge on your behalf.

You may also visit your local KeyPoint branch, contact the Contact Center at (888) 255-3637 or click here to request a call back—a Member Services Representative will contact you as soon as possible.

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Your business credit card comes with robust security features, including Visa Zero Liability Policy, which ensures you won’t be responsible for fraudulent transactions made with your card or account information.

If you suspect that anyone has obtained your security details, please contact us immediately. Failure to do so may result in your liability for any unauthorized transactions on your account.

You can call (888) 891-2435 to set up or reset your PIN.

Notify us immediately at (888) 255-3637 so we can block your card and prevent further fraud. We will mail you a new card(s), or you can get a replacement instantly at any KeyPoint branch.

Use one of the following methods to initiate a KeyPoint credit card dispute.

• Contact our Contact Center at (888) 255-3637
• Print, complete and sign the Credit Card Dispute Form and mail it to:
  • KeyPoint Credit Union
  • Attn: DISPUTES
  • 2150 Trade Zone Blvd, Suite 200
  • San Jose, CA 95131
• You can also fax the completed form to (408) 731-4008 Attn: Disputes

Use one of the following methods to initiate a KeyPoint credit card dispute.

• Contact our Contact Center at (888) 255-3637
• Print, complete and sign the Credit Card Dispute Form and mail it to:
  • KeyPoint Credit Union
  • Attn: DISPUTES
  • 2150 Trade Zone Blvd, Suite 200
  • San Jose, CA 95131
• You can also fax the completed form to (408) 731-4008 Attn: Disputes

Protecting the security of your hard-earned money is always the primary goal at KeyPoint. We are also careful to protect your privacy and personal information.

If you’re interested in learning more, see our policies and practices.