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We have a credit card to fit your spending habits and financial goals. So whether you want a card that earns you cash back on everyday purchases, has low interest rates, or can help you build your credit, we’ve got you covered. And they all come with no annual fees.1

Key Cashback® Credit Card

Earn up to 2%2 cash back on EVERY purchase, with no annual fee.1

Apply Now Rates & Fees

More KeyBank Credit Cards

Up to 2% cash back. No annual fee.1

  • 0% introductory APR for the first 12 billing cycles on balance transfers made in the first 60 days. After that, your APR will be 13.99% to 22.99% based on creditworthiness. To avoid being charged interest on purchases, pay your entire balance by the due date each month.1
  • Up to 2% cash back on purchases.2
  • Mastercard network benefits: Enhanced ID Theft Resolution Services, Zero Liability Protection, MasterRental.
Rates & Fees

Low interest rates to help you repay debts or finance purchases.

  • 0% introductory APR for the first 15 billing cycles on purchases and balance transfers (balance transfers must be made in the first 60 days of account opening to qualify for the introductory APR). After that, your APR will be 9.99% to 19.99% based on your creditworthiness.1
  • Mastercard network benefits: Enhanced ID Theft Resolution Services, Zero Liability Protection.
Rates & Fees

Key Secured Credit Card® Account 3 of 4

Help build your credit3

  • Card activity reported to bureaus
  • Low minimum deposit required
  • Mastercard network benefits: Enhanced ID Theft Resolution Services and Zero Liability Protection
Rates & Fees

Earn rewards on every purchase

  • 0% introductory APR for the first 6 billing cycles on purchases and balance transfers (balance transfers must be made in the first 60 days of account opening to qualify for the introductory APR). After that, your APR will be from 12.99% to 21.99% based on your creditworthiness1
  • Earn 5 rewards points for every $1 in eligible purchases, plus monthly bonuses4
  • Mastercard network benefits: Enhanced ID Theft Resolution Services, Zero Liability Protection, MasterRental
Rates & Fees

Why Get a KeyBank Credit Card

  • Access your FICO® Score

    Know your credit score. Opt in to view your FICO® Score anytime without impacting your credit score in KeyBank online and mobile banking.5

  • Secure and easy to use

    Check out quickly and securely with contactless Tap & Go® technology.

  • All the benefits of Mastercard®

    Your Key credit card comes with ID Theft Protection™, Zero Liability Protection, and more.

  • Online & mobile banking

    Manage your account anytime, anywhere with our secure online and mobile banking.

  • Security

    Quickly and easily lock a missing credit card, or report your card lost or stolen.

  • Account alerts

    Set up account alerts to have KeyBank notify you when certain activities happen on your account.

1

KeyBank Latitude: 0% intro APR for 15 billing cycles on all purchases and balance transfers. After that, the variable APR for purchases and balance transfers is 9.99% to 19.99% (based on creditworthiness). Balance transfers must be made within the first 60 days of account opening for introductory APR to apply. Balance Transfer Fee will be either $10.00 or 4% of the amount of each transaction, whichever is greater.

Key Cashback: 0% introductory APR on balance transfers only for the first 12 billing cycles following account opening when balances are transferred within the first 60 days following account opening. After that, your variable APR on balance transfers will be 13.99% to 22.99% (based on creditworthiness). If you always pay your balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will lose this grace period if you transfer a balance and do not pay off your entire balance by the payment due date. Even if you pay off all of your purchases in full each month, you will begin to pay interest on those purchases. To avoid interest on purchases, you must pay the entire balance (including the balance transfer amount) each month by the payment due date.

Key Secured Card: The Key Secured Card requires the card holder to have funds on deposit in a Key Active Saver® account in an amount greater than or equal to the assigned credit limit. The credit limit is determined by your creditworthiness and will be in an amount between $300 – $5,000. The variable APR for purchases is 29.99%. There is a $0.50 minimum finance charge where interest is due. The annual fee is $0. Foreign Transaction fee: 3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Transactions originating in Canada are excluded from this fee. The monthly maintenance service charge on the Key Active Saver account will be waived for Key Secured Credit Card clients. The monthly maintenance service charge waiver is only valid as long as the Key Secured Credit Card remains open. If you are graduated to an unsecured card or close your Key Secured Credit Card account, the Key Active Saver monthly maintenance service charge of $4.00 may apply, unless you are the owner on a KeyBank consumer checking account (including KeyBank Hassle-Free Account®).

Key2More Rewards®: 0% intro APR for 6 billing cycles on all purchases and balance transfers. After that, the variable APR for purchases and balance transfers is 12.99% to 21.99% (based on creditworthiness). Balance transfers must be made within the first 60 days of account opening for introductory APR to apply. Cash Equivalent Fee: 5% of each transaction amount, $10 minimum.

KeyBank Latitude, Key Cashback and Key2More Rewards®: The introductory rate does not apply to cash advances. The variable APR for Cash Advances is 23.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee and Balance Transfer fee: Either $10.00 or 4% of the amount of each transaction, whichever is greater. There is a $0.50 minimum finance charge where interest is due. The annual fee is $0. The Overdraft Protection fee is $10. Foreign Transaction fee: 3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Transactions originating in Canada are excluded from this fee.

2

To be eligible for the 2% cash back, you must have a KeyBank checking account, excluding a health savings account, with $1,000 in aggregate deposits per month, excluding transfers from another KeyBank account, and a KeyBank savings or investment account with a minimum daily balance of $1,000. If you do not meet either of the criteria above after 1 month of your account opening, you will earn 1.5% cash back on all eligible purchases. We will determine whether you have met the bank and save criteria on the last Monday of each calendar month, based on your deposit and balance activity over the thirty (30) days prior to the immediately preceding Saturday. If you have not met the bank and save criteria, your rate for the following calendar month will be 1.5%.

Cash back is awarded based on eligible credit card purchases excluding transactions such as cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers and quasi-cash transactions. See Terms and Conditions, which are subject to change.

3

Use of the Key Secured Credit Card can help build your credit when the minimum payment is made by the due date, each month.

4

Eligible purchases do not include cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers or credits. See the KeyBank Rewards Program Terms and Conditions for full details. Monthly bonus points are awarded per credit card account based on the aggregated amount spent per month by all signers linked to the credit card account. Points for $2,000 or more are awarded as an additional 25% bonus to add up to the 50% bonus. Bonuses are based on the total eligible purchase transaction points earned in a calendar month. If your credit limit is less than $2,000 you will need to make payments (in addition to your required payment) throughout the calendar month in order to reach the spend limits required to earn monthly bonus points. See the KeyBank Rewards Program Terms and Conditions for full details. The KeyBank Rewards Program Terms and Conditions and Points Guide are subject to change and may be found at key.com/rewards.

5

Clients with newly opened credit card accounts may not see their first FICO® Score in online and mobile banking for up to 90 days after enrollment. In certain circumstances, a FICO® Score may not be available for various reasons, e.g., having a limited credit history. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

This page contains Mastercard benefits available for new credit card clients. If you already have a KeyBank credit card, your Mastercard benefits may be different from those listed above. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.

Subject to credit approval.

The creditor and issuer of this credit card is KeyBank N.A., pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Credit Cards

earn up to 2% cash back on every purchase.

Open a Key Cashback® credit card.

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