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Key Secured Credit Card®

Build your credit.1 Enjoy progress.

A strong credit history can help you on your financial path. Whether you’re ready to establish your credit history or want to improve it, a Key Secured Credit Card can help you make progress.

Visit a Branch Rates & Fees Terms & Conditions

Overview

Overview of product features.
Introductory APR

N/A
Regular APR

22.99%
Annual Fee

$02
Late Payment Fee

Up to $39
Minimum Interest Charge

$0.50

Features

  • Secured by a minimum deposit greater than or equal to $300 in a Key Active Saver® account3 (up to $5,000).
  • Save while you build your credit.1 Your deposit must be kept in a Key Active Saver account - use it to secure your credit card and grow your savings.
  • Know you’re building your credit. Unlike prepaid or debit cards, this credit card reports your history to credit bureaus.
  • Keep making progress. We’ll review your account twice each year to determine if you meet the criteria to graduate to an unsecured credit card.
  • Know your credit score. Opt in to view your FICO® Score anytime without impacting your credit score in KeyBank online and mobile banking.4
  • Stay secure. With our temporary lock security feature, you can easily use online or mobile banking to lock and unlock a misplaced credit card. You’ll have peace of mind knowing your card can’t be used. Plus, you’ll gain time to find your card, potentially avoiding having to cancel it and open a new one.
  • Contactless iconContactless – Just Tap and Go®.

Know your FICO® Score

Opt in to check your FICO® Score for free anytime in online and mobile banking. It’s quick, easy and won’t impact your credit score. To see if yours is available, sign on today.

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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.

Visit a Branch Rates & Fees Terms & Conditions

Exclusive Key Secured Credit Card Benefits

Enjoy these perks that come with being part of the Mastercard® network:

Peace of Mind

Your card’s benefits will protect you against everything from online identity theft to fraudulent purchases. It’s peace of mind for the things most likely to create headaches.

Identity Theft ProtectionTM

Identity theft hurts, but Mastercard can help—for no extra cost. From scouring the internet to see if your personal info is being sold to helping you clear your name with credit rating agencies, we are there for you 24/7. Simply visit https://mastercardus.idprotectiononline.com or call 1-800-MASTERCARD.

Zero Liability Protection

Have peace of mind knowing that you are protected against fraudulent purchases in-store, over the telephone, online or on mobile apps— as well as at the ATM. Simply call the number on the back of your card if you suspect any unauthorized activity on your card. Visit mastercard.us/zeroliability for more information.

Key CashBack

Up to 2% Cash Back on Holiday Cheer

Debt & Credit

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Debt Consolidation

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If you think de-cluttering feels great, wait until you try it with your bills.

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1

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

2

Please see the cardmember agreement for rates and fees associated with this card.

3

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®).

4

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.

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

Subject to funds being appropriately deposited and credit approval.

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

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