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Key2More Rewards® Credit Card

Buy. Earn. Get Rewards. Repeat.

Get rewarded for everyday credit card purchases and stack up perks and benefits with the Key2More Rewards® credit card.

Apply Now Rates & Fees Terms & Conditions

Overview

KeyBank Rewards® Program

Earn 5 points for every $1 for every eligible credit card purchases, no caps!1

Spend $1,000 - $1,999 per calendar month with your KeyBank credit card, and you will earn a 25% monthly points bonus.1 For example, if you spend $1,500, you will earn an additional 1,875 points for a total of 9,375 points.

Spend $2,000 or more per calendar month with your KeyBank credit card, and you will earn a 50% monthly points bonus.1 For example, if you spend $2,500, you will earn an additional 6,250 points for a total of 18,750 points.
Annual Fee

$03
Introductory APR

0% 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 14.49% to 23.49% based on your creditworthiness.
Regular APR

Variable2
Balance Transfer Fee

$10 or 3% of the amount of each transaction, whichever is greater.
Late Payment Fee

Up to $39
Overdraft Protection Transfer Fee

$10
Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

Features

  • Redeem your points for travel, shopping, charitable giving, gift cards, even cash.
  • No annual fee3 and an initial 0% APR interest rate 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).2 After that, your APR will be from 14.49% to 23.49% based on your creditworthiness.
  • 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®.

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.

Apply Now Rates & Fees Terms & Conditions

Exclusive Key2More Rewards 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 cracked cellphone screens to online identity theft to fraudulent purchases. It’s peace of mind for the things most likely to create headaches.

Cell Phone Protection

Bad luck doesn’t have to ruin your week. Your card comes with $1000 in coverage ($600 per claim, 2X per year) should your phone get stolen or need repairs. Simply pay for your mobile phone bill with your card and you’re covered. Broken phone? No worries. Visit mycardbenefits.com to file a claim today.4

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.

Travel and Entertainment Assistance

MasterRental® Coverage

Pays for covered damages, like physical damage and theft, to a rental vehicle when you use your eligible Mastercard to initiate and pay for the entire rental transaction.

Credit Cards

Make Your Holidays 2% Brighter. Open the Card With Up To 2% Cash Back

Sweepstakes

Make Your Next Online Purchase Priceless™

Debt Consolidation

Take Control of Your World. Take a Quick Step Towards Being Debt Free

1

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 $2000 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.

2

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. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 14.49% to 23.49% (depending on your creditworthiness). Balance transfers must be made within 60 days of account opening for introductory APR to apply. The variable APR for Cash Advances is 25.49%. Cash Advance fee: 4%, $10 minimum. Convenience Check fee: 3%, $10 minimum. Cash Equivalent fee: 4%, $10 minimum. Balance Transfer fee: 3%, $10 minimum. Overdraft Protection Transfer fee: $10. There is a $0.50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of each foreign purchase transaction in U.S. dollars. Transactions originating in Canada are excluded from this fee. Refer to Terms & Conditions.

3

Please see the rates and fees table for the costs associated with this credit card.

4

Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. Please see your Guide to Benefits for details, or call 1-800-MASTERCARD.

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.

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.

Apple Pay, TouchID and iPad mini are trademarks of Apple Inc. iPhone, iPad Air, Passbook, iSight and iTunes are registered trademarks of Apple Inc. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.

View the Cardmember Agreement and Rewards Terms and Conditions for full terms of the offer.

All credit products are subject to credit approval. NMLS# 399797.

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