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

Overview

KeyBank Relationship Rewards®

Earn 5 points for every $1 for every eligible credit card purchases, no caps!1 Plus, a 50,000-point welcome bonus2.

Spend $1,000 - $1,999 per calendar month with your KeyBank credit card, and you will earn a 25% monthly points bonus1. 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 bonus1. 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 (made in the first 60 days). After that, your APR will be from 14.99% to 23.99% 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 (made in the first 60 days).3 After that, your APR will be from 14.99% to 23.99% 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.

Exclusive Key2More Rewards Credit Card Benefits

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

Shop with Confidence

Price Protection

If you find a lower price within 60 days on an item you purchased with your card, you may be reimbursed for the price difference.

Extended Warranty

Receive warranties longer than the original manufacturer's warranty on most items you buy with your card.

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.

Credit Cards

Earn Points Worth $200 On a New Credit Card

Credit Cards

Make holiday shopping $5,000 brighter.

Use an eligible KeyBank credit card to enter.
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. 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.

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. You do not need to enroll your checking account in the Relationship Rewards program to earn these Rewards 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.

3

The 0% introductory APR does not apply to cash advances and is valid for the first six billing cycles on purchases and balance transfers. Thereafter, the APR may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 14.99% to 23.99% (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 25.99%. 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 review rates and fees table in the terms and conditions for 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 is a registered trademark, 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.

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