The Credit Key Card is a Mastercard issued by Sutton Bank, Member FDIC. It lets approved Credit Key customers put part of their credit line toward eligible business purchases at vendors that do not offer Credit Key at checkout. There is no setup cost or extra card fee.
How to get it
- Be an approved Credit Key customer.
- Log in to the borrower portal.
- Select "Activate my card" on the dashboard.
- A virtual card is issued instantly and can be added to a digital wallet. A physical card can be requested during activation.
Rules that catch people out
- Business expenses only. Personal spending is not allowed.
- A cap applies. Transactions are limited by your trade credit limit and other eligibility factors. Credit Key does not publish a dollar figure.
- Online and digital-wallet use. Typing the 16-digit number into a physical terminal by hand is declined.
- Billing address. Use the business address on file at checkout.
- PIN. In-person purchases may ask for one. Set or reset it at (833) 425-5888.
What it costs
Card purchases follow the same terms as other Credit Key orders: Net 30, or extended repayment of up to 12 months with a monthly fee. See rates and fees.
Need money in hand, not checkout credit?
Request a personal loan through our lender network. It is a separate service from Credit Key and the request is free.
What you cannot buy
- Payments to other lenders, business rent or mortgages
- Open financing bills such as credit cards or business loans
- Subscription services
- Payroll or contractor payments
- Illegal products or services
- Personal use or payments to related entities
Virtual or physical
| Virtual card | Physical card | |
|---|---|---|
| Issued | Instantly on activation | Mailed on request |
| Best for | Online vendors, digital wallets | In-person purchases |
| Watch for | Billing address must match the business address | A PIN may be required |
| Manual key entry at a terminal | Declined | Not applicable |
If a card purchase is declined
- Confirm the purchase is a business expense and not on the restricted list.
- Check the amount against your available credit and the card cap.
- Use the business address on file as the billing address.
- Pay online or by wallet instead of reading the number to a cashier.
- Call Credit Key at (844) 334-3636 if it still fails.
Common questions
Who issues the Credit Key Card?
Sutton Bank, Member FDIC, under a license from Mastercard.
Is the Credit Key Card a credit card?
It works on the Mastercard network but draws on your existing Credit Key line. Each purchase becomes a Credit Key order with its own repayment plan.
Can I use it in a store?
Credit Key says it works where Mastercard is accepted in the U.S., with a virtual or physical card. Manually keyed entries at a physical terminal are declined.
Sources
Checked November 12, 2026. We link to primary sources so you can verify each figure yourself.