So, I've had CreditKey for a while to use with merchants with Net30 0% + or up to 12-month payment option (Turning it into a micro-business loan) But I rarely used it because it was just a virtual masterCard for online purchases when I got it 2 years ago.
Low and behold they started offering a physical MasterCard for local (In store) purchases (not limited to a network of vendors), which works better for me, so obviously when they sent me the email asking if I wanted the physical card shipped, I accepted.
This is a much handier line of credit for my business now than the virtual was. It doesn't look like they updated their site with the physical card offer yet, but here's the Credit key card page: The Credit Key Card
Just got my physical card. Just like you, I didn't use the account much and the old virtual card was a PIA because you had to reach out each time to use it. Now with the new physical card, you get 1/2 your credit limit available through the card. I'm fine with that. Incidentally, they also require a EQ SP every 6 months to keep your account open and I'm fine with that as each time they've done so, they give me a CLI. Last month my CLI was $14,500!!
@cashorcharge wrote:Just got my physical card. Just like you, I didn't use the account much and the old virtual card was a PIA because you had to reach out each time to use it. Now with the new physical card, you get 1/2 your credit limit available through the card. I'm fine with that. Incidentally, they also require a EQ SP every 6 months to keep your account open and I'm fine with that as each time they've done so, they give me a CLI. Last month my CLI was $14,500!!
Right on! Good to hear others see the physical card useful. I may use creditkey more now that it will be convenient. 
Just got my card in the mail today and activated it. Im also fine with the 50% available limit for physical card purchases anywhere mastercard is accepted.
The 9 month repayment terms are also acceptable on larger bulk purchases I may not want to pif.
I may be looking at Local supply shops soon.
FYI - its technically classified as a debit mastercard that pulls from a micro Loan or suedo line of credit. Not sure if it would work using it to pay off a credit card or small loan that accepts debit card payments and not sure if I would want to test it.
Just putting that out there in case someone else tests it and cares to share the data point.