Understanding Keep's Subscription Plans
Whether you're a small team or scaling fast, there's a Keep plan for you. Core, Plus, and Max all include the full Keep platform — with higher tiers built for teams that need more flexibility, stronger rewards, and dedicated support.
In This Article
- What are Keep's subscription plans?
- Plan overview and pricing
- Feature comparison
- How do I change my plan?
- Frequently asked questions
What are Keep's subscription plans?
Keep offers three monthly subscription plans — Core, Plus, and Max — each giving you access to the full Keep platform: business credit card, multi-currency banking, growth capital, accounting integrations, and rewards. The plans differ in team size limits, grace period length, rewards rates, and support level.
Plan overview and pricing
| Core | Plus | Max | |
|---|---|---|---|
| Monthly price | $79/mo | $119/mo | $199/mo |
| Users | Up to 3 | Up to 10 | Unlimited |
| Fee-free days | 31 days | 38 days | 56 days |
| Credit limit reviews | Every 6 months | Every 6 months | Every 3 months |
All prices in CAD. Plans are billed monthly — no annual commitment required.
Feature comparison
Rewards
| Core | Plus | Max | |
|---|---|---|---|
| Rewards multiplier | 1x all spend, 4x international | 1.5x all spend, 3x dining & international, 5x Keep Travel | Same as Plus |
| Bonus rewards | — | — | 50,000 pts after $25K annual spend |
| Redeem for statement credit | ✓ | ✓ | ✓ |
| Redeem for Keep Travel | ✓ | ✓ | ✓ |
| Keep Travel point coverage | Up to 50% of booking | 100% of booking | 100% of booking |
Payments
| Core | Plus | Max | |
|---|---|---|---|
| 1-day statement payment clearing | — | ✓ | ✓ |
| Interac payments | 1.5% fee (max $95) | 1 free/mo, then 1.5% (max $95) | 3 free/mo, then 1.5% (max $95) |
| International wires (SWIFT) | $15 per wire | 1 free/mo, then $15 each | 3 free/mo, then $15 each |
Note on 1-day payment clearing: Available on Plus and Max after your 3rd on-time statement payment.
Banking
All plans include multi-currency accounts (CAD, USD, GBP, EUR, MXN), payments to 100+ countries, and 0% FX fee.
Accounting
All plans include QuickBooks Online integration and automated receipt collection and matching.
Support
| Core | Plus | Max | |
|---|---|---|---|
| Account Manager | ✓ | ✓ | Dedicated AM with priority response |
| Email & phone support | ✓ | ✓ | ✓ |
How do I change my plan?
You can upgrade or downgrade your plan at any time from your dashboard.
To change your plan:
- Go to the Settings tab in your dashboard
- Navigate to Subscription
- Select your new plan and confirm
Upgrading:
- New plan benefits apply the next business day
- New plan billing starts at your next billing cycle — no mid-cycle charge
Downgrading:
- Your current usage must fit the lower plan before a downgrade is allowed (e.g., you'll need to reduce to 3 users or fewer before moving from Plus to Core)
- Current plan benefits remain through the end of your billing cycle
Frequently Asked Questions
Can I try Keep before committing to a plan?
Yes — new customers get a 90-day free trial on any plan.
What happens if I exceed my user limit?
Rather than being blocked, you'll be offered the option to upgrade to the next plan.
Do free Interac or SWIFT transfers roll over each month?
No — unused free transfers expire at the end of each billing cycle.
Can I switch plans at any time?
Yes. Upgrades take effect the next business day. Downgrades take effect at the start of your next billing cycle.
Can I downgrade if I have more users than the lower plan allows?
Not until your user count fits within the lower plan's limit. Reduce your users first, then request the downgrade.
Is there an annual billing option?
No — all plans are billed month-to-month.
How do fee-free days work?
Fee-free days are the number of days between making a purchase and paying your statement. During this time, you won’t pay any fees on your card balance—as long as you pay your statement in full by the due date.
Here’s how it works:
- Make a purchase with your Keep card.
- Your statement closes at the end of your billing cycle (up to 30 days later).
- Pay your statement by the due date.
The total time from your purchase to the payment due date is your fee-free period. For example, if you make a purchase on the first day of your billing cycle, you’ll get the maximum number of fee-free days. If you make a purchase closer to your statement date, you’ll have fewer fee-free days for that purchase.
Depending on your plan, you can get:
- Core: up to 31 fee-free days
- Plus: up to 38 fee-free days
- Max: up to 56 fee-free days
More fee-free days give your business more time to manage cash flow before payment is due.
Need more help?
Have questions about which plan is right for your business? Contact us at support@trykeep.com