Key2More Rewards Credit Card

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

Overview of product features.
KeyBank Rewards^® Program	Earn 5 points for every $1 spent on 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	$0²
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 12.99% to 21.99% 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 $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, event tickets, gift cards, cash back and more.⁴
No annual fee² 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 12.99% to 21.99% based on your creditworthiness.
Know your credit score. Opt in to view your FICO^® Score anytime without impacting your credit score in KeyBank online and mobile banking.⁵
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 – Just Tap and Go^®.

Know your FICO^® Score

Opt in to check your FICO^® Score for free anytime in online and mobile banking. It’s quick, easy and won’t impact your credit score. To see if yours is available, sign on today.

Sign On

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.⁶

Identity Theft Protection^TM

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.

Key CashBack

Up to 2% Cash Back on Holiday Cheer

Debt & Credit

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Debt Consolidation

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Eligible purchases do not include cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers or credits. Bonuses are based on the total eligible purchase transaction points earned in a calendar month and are awarded once a month around the 5th business day for the previous month spend. 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. See the KeyBank Rewards Program Terms and Conditions for full details, which are subject to change and may be found at key.com/rewards.

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

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 12.99% to 21.99% (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 23.99%. 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.

Fees may apply.

Clients with newly opened credit card accounts may not see their first FICO^® Score in online and mobile banking for up to 90 days after enrollment. In certain circumstances, a FICO^® Score may not be available for various reasons, e.g., having a limited credit history. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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.

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

Call Us

1-800-KEY2YOU^® (539-2968)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

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Key2More Rewards® Credit Card