Updated September 2, 2026

If you're searching for a Keep Business Credit Card review, the first thing to understand is that Keep has evolved beyond simply offering another Canadian business credit card.

Keep now describes itself as an all-in-one financial platform for Canadian small and medium-sized businesses.

The proposition is ambitious:

business credit card, rewards, expense management, multi-currency banking, international payments, accounting integration and access to growth capital—all inside one platform.

For a growing Canadian company currently stitching together a bank account, corporate cards, expense software, international-payment provider and accounting workflow, that consolidation is potentially attractive.

But Keep isn't free anymore.

And that's one of the biggest things prospective customers need to understand in 2026.

What Is Keep?

Keep Technologies Corp. is a Canadian financial-technology company focused on business financial services.

Its current platform includes:

  • Keep Business Credit Mastercard
  • Physical and virtual business cards
  • Employee spending controls
  • Expense and receipt management
  • Multi-currency accounts
  • International payments
  • QuickBooks integration
  • Business rewards
  • Growth capital
  • Mobile financial management

Keep says more than 5,000 Canadian companies currently use its platform and that more than $600 million has been processed through Keep cards.

Who Actually Issues the Keep Business Credit Card?

This distinction is important.

Keep operates the platform, but the Keep Business Credit Mastercard is issued by Peoples Trust Company under licence from Mastercard International.

Keep's July 2026 cardholder agreement describes the product as a charge card.

That means this shouldn't automatically be treated like a conventional revolving credit card where you carry a balance indefinitely while paying interest.

The standard minimum payment is 100% of the outstanding statement balance, although Keep separately offers paid statement-extension options.

Keep Is Not Available in Quebec

Keep currently says its service is available across Canada except Quebec.

That means a Quebec resident or Quebec-domiciled corporation looking at Keep will need another option.

How Much Does Keep Cost in 2026?

This is where older Keep reviews can become misleading.

Keep currently has three subscription tiers:

Plan Price Users Fee-Free Days
Core $79 CAD/month Up to 3 Up to 31 days
Plus $119 CAD/month Up to 10 Up to 38 days
Max $199 CAD/month Unlimited Up to 56 days

That works out to approximately $948, $1,428 or $2,388 CAD per year if you remain subscribed for twelve months.

So while Keep's cardholder agreement says there is no annual fee specifically attached to the card, we'd be careful about describing Keep itself as a no-fee financial platform.

The platform subscription is a real cost.

The Keep Rewards Program

Rewards depend on which Keep subscription you choose.

The current Core plan earns:

  • 1x on standard spending
  • 4x on international spending

Plus and Max currently earn:

  • 1.5x on general purchases
  • 3x on dining and international purchases
  • 5x on eligible Keep Travel bookings

Keep says there's no cap on the number of points that can be earned.

But Understand What Keep Points Are Worth

A rewards multiplier isn't meaningful until you know the redemption value.

Keep's help documentation currently states that statement-credit redemptions use a value of:

100 points = $0.67 CAD.

Keep Travel can provide a better redemption value, with eligible travel redemptions using:

100 points = $1 CAD.

That's important when comparing Keep's advertised multipliers with cashback cards or competing rewards programs.

Don't compare “5x points” with “5% cashback” as though they're automatically equivalent.

Keep's Up-to-56-Day Payment Window Could Be Valuable

The Max plan provides up to 56 fee-free days before payment.

For businesses managing inventory, advertising expenses or accounts receivable, additional payment time can have real cash-flow value.

Imagine paying a supplier today while your customer doesn't pay your invoice for another 30 days.

A longer payment window can reduce the timing mismatch.

But remember that the standard Keep card balance is ultimately payable in full.

Don't mistake additional payment time for free long-term financing.

Keep Says Credit Limits Can Reach $1 Million

Keep's FAQ currently says card limits can range from approximately $1,000 to $1 million.

The company says it uses real-time business data to evaluate limits rather than relying exclusively on traditional personal-credit underwriting.

Keep also says simply applying and reviewing an offer doesn't affect your personal credit score, although accepting an offer may result in a hard inquiry.

That's a detail we'd verify during the application process rather than assuming there's never a personal-credit impact.

Unlimited Virtual Cards Are Useful for Growing Teams

One of Keep's strongest practical features is card management.

Businesses can create physical and virtual cards and establish spending controls for employees.

Virtual cards can be particularly useful for separating expenses.

Instead of placing every subscription on one company card, a business could potentially create separate cards for:

  • Google Ads
  • Meta advertising
  • Web hosting
  • Software subscriptions
  • Contractors
  • Employee travel
  • Departmental expenses

If one card is compromised or a subscription needs to be cancelled, you don't necessarily have to replace the card used by the entire company.

Keep's Expense Management Is More Than a Credit Card Statement

Keep allows businesses to capture receipts and associate them with transactions.

The platform also integrates with QuickBooks and supports CSV exports.

Keep says expenses can sync into the accounting system for reconciliation.

For a business still collecting paper receipts in a box until tax season, that alone can represent a meaningful operational improvement.

The Multi-Currency Account Is Another Major Feature

Keep currently supports multi-currency accounts in:

  • Canadian dollars (CAD)
  • U.S. dollars (USD)
  • Euros (EUR)
  • British pounds (GBP)
  • Mexican pesos (MXN)
  • Japanese yen (JPY)

The platform allows businesses to hold, send, receive and convert funds between supported currencies.

That's potentially useful for Canadian companies paying international contractors, receiving money from foreign customers or purchasing from overseas suppliers.

But “No-Fee Global Banking” Doesn't Mean the Keep Card Has No FX Fee

This distinction is extremely important.

Keep markets its banking platform around low-cost or no-added-fee global banking.

However, the current Keep Business Credit Mastercard agreement says purchases made in a foreign currency are converted into Canadian dollars and charged a 3% foreign-currency conversion fee.

Keep's own help centre confirms the same 3% fee for non-CAD card transactions.

Rewards earned on international purchases may offset some of that cost depending on your plan and redemption method.

But we'd never describe the Keep credit card itself as having no foreign-exchange fee.

Keep Growth Capital: Up to $1 Million

Keep isn't stopping at payments.

The company currently advertises the ability to apply for up to $1 million in business financing, with transparent terms and no equity required.

That's potentially attractive for a business financing:

  • Inventory
  • Hiring
  • Expansion
  • Advertising
  • Equipment
  • Working capital

The appeal is that an existing Keep customer can potentially access capital within the same financial ecosystem rather than moving its entire banking relationship.

As with any business financing, however, the headline maximum isn't the important number.

The actual offer, repayment structure, fees and total cost of capital are what matter.

What Do Keep Reviews Say?

This is where the picture becomes much more mixed.

At the time of our research, Keep had approximately 180 Trustpilot reviews and a TrustScore around 3.0 out of 5.

That's not disastrous, but it isn't the overwhelmingly positive rating we'd expect if we looked only at Keep's own testimonials.

The distribution is also unusually polarized.

Approximately 56% of reviewers gave Keep five stars, while roughly 39% gave it one star.

That suggests customers are having substantially different experiences.

What Positive Keep Reviews Say

Positive reviewers commonly mention:

  • Fast approval
  • Helpful customer service
  • Access to business credit
  • Higher limits than they received elsewhere
  • Convenient expense management
  • Useful accounting integration

One June 2026 reviewer said Keep was easier to work with than Canada's major banks and provided options that better suited a growing business.

Another recent reviewer described customer-service responses as fast and helpful.

The Biggest Complaint: Subscription Pricing

The most serious recent criticism concerns Keep's move to paid subscriptions.

Multiple Trustpilot reviewers complain that they originally joined Keep when the product was marketed as free or no-fee and subsequently encountered subscription charges.

Some reviewers describe charges around $80 per month and complain that they didn't receive adequate notice before the pricing changed.

Keep has responded publicly to some of these reviews, acknowledging customer frustration surrounding subscription fees and communication.

We can't independently determine the contractual circumstances surrounding each individual complaint.

But there are enough similar recent reviews that we'd consider the subscription transition a legitimate issue prospective customers should know about.

Other Negative Reviews Mention Account and Support Problems

Trustpilot's summary of recent Keep reviews also identifies complaints involving:

  • Unexpected account closures
  • Payment-processing difficulties
  • Slow technical support
  • Unexpected costs
  • Difficulty resolving administrative problems

Again, online reviews represent individual customer experiences rather than independently adjudicated facts.

But when evaluating a financial service, negative reviews involving access to money or support deserve more weight than a complaint about the colour of an app.

Keep vs. Float vs. Loop vs. Wise Business

Keep isn't operating in an empty market.

Canadian fintech competition has become considerably stronger.

Platform Best Fit Major Strength Potential Drawback
Keep Growing Canadian SMBs wanting an integrated platform Credit + banking + expenses + rewards + capital $79–$199 monthly subscription; 3% card FX fee
Float Expense management and employee spending Strong spend controls, receipt automation and accounting workflows Cross-border capabilities differ from platforms built primarily around multi-currency commerce
Loop Canadian businesses operating internationally Multi-currency accounts, international payments and corporate cards Higher tiers carry monthly platform costs
Wise Business International payments and currency conversion Broad currency support and transparent international-transfer model Debit/payment platform rather than a comparable Canadian business-credit product

Keep vs. Float

If your primary problem is employee spending and expense management, Float deserves serious consideration.

Float has built a strong Canadian business around corporate cards, spending controls, automated receipt matching and accounting integrations.

Keep's advantage is breadth.

It's increasingly trying to provide credit, banking, international payments, expense management and financing inside one relationship.

So the choice