All KeyBank credit cards feature these benefits:

Credit card protection

Zero Liability Fraud Protection
Stolen credit card report

24-Hours Lost/Stolen Reporting
Chip card

Embedded Chip
Credit card apple pay

Mobile Payment
Go back to Credit Card Options

Key2More Rewards® Credit Card

Earn rewards with every credit card purchase

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

Key2More Rewards Credit Card Card Art
Key2More Rewards® Credit Card features
  • No annual fee.
  • Special low Introductory APR of 0% for the first 6 billing cycles on purchases and balance transfers (made within 60 days of account opening). After that, the variable APR for Purchases and Balance Transfers will apply, currently 14.49% - 23.49%, based on your creditworthiness.1
  • Earn five (5) KeyBank Relationship Rewards® points for every $1 in eligible credit card purchases* with no monthly maximum.
  • Monthly bonuses - 25% for spending more than $1,000, 50% for spending more than $2,000. No cap on rewards points earned.*
  • Earn up to 50,000 rewards points after 5 purchase transactions in the first 60 days of opening.*
Apply Now Rates & Fees † Terms and conditions

Exclusive Key2More Rewards Credit Card Benefits

As a KeyBank Mastercard credit card holder, you'll enjoy these perks that come with being a part of the Mastercard network:

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Shop with confidence
Price Protection

If you find a lower price for a new item within 60 days from the date of purchase using your KeyBank Mastercard credit card, you may be reimbursed for the price difference.

Extended warranty

Lengthen lifetime warranties - the original manufacturer's warranty lasts longer on most items you buy.

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Protect your credit
Identity Theft Resolution Services

We'll assist you, should you become the victim of identity theft. We provide credit bureau notification, credit card replacement, an ID Theft Affidavit and additional resolution services.

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Travel and Entertainment assistance
Concierge Services

Any time, any day, a concierge is available to make dinner reservations, purchase tickets to events, locate hard-to-find items, buy and deliver gifts – call 1-800-336-6420 for details.

Mastercard Travel Services™

Access to Mastercard Travel Services includes 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.

† View Rates & Fees and the Cardmember Agreement and Rewards Terms and Conditions for full terms of the offer.

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. Currently the undiscounted variable APR for Purchases and Balance Transfers is 14.49%–23.49% (depending on your credit worthiness). 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: Either $10.00 or 4% of the amount of each transaction, whichever is greater. Effective 5/11/18: Either $10.00 or 3% of the amount of each transaction, whichever is greater. Cash Equivalent fee: 4%, $10 minimum. Balance Transfer fee: Either $10.00 or 4% of the amount of each transaction, whichever is greater. Effective 5/11/18: Either $10.00 or 3% of the amount of each transaction, whichever is greater. Overdraft Protection Transfer Fee: $10. There is a $.50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Effective 5/11/18: 3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Transactions originating in Canada are excluded from this fee.

* 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. To qualify for Reward Points for opening a credit card, you must make at least 5 eligible purchases within 60 days of account opening and have a KeyBank checking account open and in good standing. You do not need to enroll your checking account in the Relationship Rewards program to earn these Reward Points. If you choose to enroll your KeyBank checking account in Relationship Rewards, there may be an annual fee based on the type of checking account that is enrolled. 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.

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 is a registered 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.

All credit products are subject to credit approval.