1 The 0% introductory APR does not apply to cash advances and is valid for the first 6 billing cycles on purchases and balance transfers. Thereafter, the APR may vary and as of May, 2013, the undiscounted variable APR for Purchases and Balance Transfers is 11.99%–21.99% (depending on your credit history). Balance transfers must be made within 60 days of account opening for introductory APR to apply. The variable APR for Cash Advances is 23.99%. Cash Advance fee: 4%, $10 minimum. Convenience Check fee: 4%, $10 minimum, Cash Equivalent fee: 4%, $10 minimum. Balance Transfer fee: 4%, $10 minimum. There is a $ .50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of each foreign purchase transaction in U.S. Dollars.
2 Issuer provides zero fraud liability for unauthorized transactions. Cardholder must notify issuer promptly of any unauthorized use. Certain conditions and limitations may apply.
* Certain exclusions apply. The KeyBank Rewards Program Terms and Conditions and Points Guide apply, are subject to change and can be found at key.com/rewards. Rewards program annual fees may apply. To qualify for account opening Product Points for opening a credit card, you must have a KeyBank checking account prior to account opening and make at least 5 purchase transactions with this credit card within the first 60 days of account opening. All other Product Points require a checking account enrolled in KeyBank Relationship Rewards prior to product opening.
The creditor and issuer is KeyBank N.A.
Subject to credit approval.