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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 Plus, a 50,000-point welcome bonus.2

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

$04
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 15.24% to 24.24% based on your creditworthiness.
Regular APR

Variable3
Balance Transfer Fee

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

Up to $37
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 fee4 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).3 After that, your APR will be from 15.24% to 24.24% based on your creditworthiness.
  • Manage in online banking.
  • 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.
  • Comes complete with contactless chip technology. Just tap and go® at more than a million merchants around the world – including grocery stores, fast-food restaurants, and more.
Apply Now Rates & Fees Terms & Conditions

Exclusive Key2More Rewards Credit Card Benefits

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

Protect Your Credit

Identity Theft Resolution Services

If you become the victim of identity theft, we are here to help you and provide:

  • Credit bureau notification
  • Credit card replacement
  • ID Theft Affidavit
  • Additional resolution services

Travel and Entertainment Assistance

Concierge Services

Our 24/7 concierge is available to make dinner reservations, purchase event tickets, locate hard-to-find items and buy and deliver gifts. Call 1-800-336-6420 for details.

Mastercard® Travel Services™

We provide exclusive travel benefits like hotel room upgrades, complimentary amenities and other valuable extras.

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.

Online & Mobile Banking

Simplify Your Banking with 24/7 Account Access

March 2018 Simplify Your Banking with 24/7 Account Access
Managing Debt

5 Credit Myths About Credit Scores

Let go of these common credit myths to stay on the path to financial well-being.

February 2017 5 Credit Myths About Credit Scores
Credit Card Calculators

See What It Takes to Pay Off Your Balance

Find out how long it will take to pay off your credit card balance and what you can adjust to meet your repayment goal.

See What It Takes to Pay Off Your Balance

Disclosures

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. To qualify for Reward Points for opening a credit card, you must spend at least $500 on qualifying purchases with this credit card within 60 days of account opening and have a KeyBank checking account open and in good standing. 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

To qualify for the 50,000 introductory rewards points, you must spend at least $500 on qualifying purchases with this credit card within 60 days of account opening and have a KeyBank checking account open and in good standing. 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.

3

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 15.24% to 24.24% (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 26.24%. 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.

4

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

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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