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

All prices in CAD. Plans are billed monthly — no annual commitment required.

Feature comparison

Rewards

Payments

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

How do I change my plan?

You can upgrade or downgrade your plan at any time from your dashboard.

To change your plan:

1. Go to the Settings tab in your dashboard
2. Navigate to Subscription
3. 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.

When does an upgrade take effect? 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 "When do my fee-free days change after a plan change?" below.)

When does a downgrade take effect? 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 follow your statement — see below.)

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.

What benefits will change if I downgrade? 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. International spend actually goes up — from 3x on Plus to 4x on Core.
• 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.
• 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

Am I charged, or refunded, mid-cycle when I change plans? 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.

Does my higher rewards rate apply to spend I already made this cycle? No. When you upgrade, the higher multiplier applies only to spend from the moment you upgrade onward; earlier spend earns at your previous rate.

If I downgrade, do I keep the points I've already earned? Yes. Earned points stay in your account — only your earn rate going forward changes.

When do my fee-free days change after a plan change? 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 immediately (for upgrades) or at your next billing cycle (for downgrades). Any statement already open keeps its current fee-free terms.

Do free Interac or SWIFT transfers roll over, or reset, when I switch plans? No — unused free transfers expire at the end of each billing cycle and don't roll over. If you switch plans, your new plan's allotment applies once the new plan is active.

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:

1. Make a purchase with your Keep card.
2. Your statement closes at the end of your billing cycle (up to 30 days later).
3. 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