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 and as of January 2014, the undiscounted variable APR for Purchases and Balance Transfers is 11.99%–21.99% (depending on your credit history). 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: 4%, $10 minimum, Cash Equivalent fee: 4%, $10 minimum. Balance Transfer fee: 4%, $10 minimum. There is a $ .50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of each foreign purchase transaction in U.S. Dollars.
2 Issuer provides zero fraud liability for unauthorized transactions. Cardholder must notify issuer promptly of any unauthorized use. Certain conditions and limitations may apply.
* Eligible purchases do not include cash advances of any type, balance transfers, overdraft protection transfers, or credits. 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.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 you have. All other Product Points require a checking account enrolled in KeyBank Relationship Rewards prior to product opening.
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. Bonus 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.
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.
All credit products are subject to credit approval.