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timing is everything.

low intro APR and promotional fee on balance transfers for Key Cashback® and KeyBank Latitude® credit cards. 

Let’s put getting out of debt, closer in reach. Take advantage of our 0% intro APRs, now with a limited time 1% balance transfer fee ($10 min.) per transaction when you transfer a balance in the first 60 days. After that, the balance transfer fee will be 3% ($10 min.) per transaction. It’s a great time to move higher interest debt or consolidate bills to a Key Cashback® or KeyBank Latitude® credit card.

Compare Credit Cards

Up to 2% unlimited cash back,1 plus a limited time, 1% balance transfer fee. ($10 min.)2

  • 0% introductory APR for the first 12 billing cycles on balance transfers made in the first 60 days. After that, your APR will be 13.99% to 22.99% based on creditworthiness. To avoid being charged interest, pay your entire balance by the due date each month.3
  • Up to 2% cash back on purchases.1
  • Mastercard network benefits: Cell Phone Protection,4 Enhanced ID Theft Resolution Services, Zero Liability Protection, MasterRental.
Rates & Fees

Low interest rates, plus a limited time 1% balance transfer fee. ($10 min.)2

  • 0% introductory APR for the first 15 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 9.99% to 19.99% based on your creditworthiness.3
  • Mastercard network benefits: Enhanced ID Theft Resolution Services, Zero Liability Protection.
Rates & Fees

Qualify for a 1% Balance Transfer Fee ($10 min.)

  • Open your account by February 20, 2021.
  • Transfer your balance within 60 days of account opening. 
  • After 60 days, the balance transfer fee will be $10, or 3% per transaction, whichever is greater.
1

To be eligible for the 2% cash back, you must have a KeyBank checking account, excluding a health savings account, with $1,000 in aggregate deposits per month, excluding transfers from another KeyBank account, and a KeyBank savings or investment account with a minimum daily balance of $1,000. If you do not meet either of the criteria above after 1 month of your account opening, you will earn 1.5% cash back on all eligible purchases. We will determine whether you have met the bank and save criteria on the last Monday of each calendar month, based on your deposit and balance activity over the thirty (30) days prior to the immediately preceding Saturday. If you have not met the bank and save criteria, your rate for the following calendar month will be 1.5%.

Cash back is awarded based on eligible credit card purchases excluding transactions such as cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers and quasi-cash transactions. See Terms and Conditions, which are subject to change.

2

If you applied during the time period of 1/3/21 [12:00:00 a.m. ET] - 2/20/21 [11:59:59 p.m. ET] and perform a balance transfer within 60 days from account opening, your balance transfer fee will be either $10.00 or 1% of the amount of each transaction, whichever is greater. After this period your balance transfer fee will be either $10.00 or 3% of the amount of each transaction, whichever is greater.

3

Latitude: 0% intro APR for 15 billing cycles on all purchases and balance transfers. After that, the variable APR for purchases and balance transfers is 9.99% to 19.99% (based on creditworthiness). Balance transfers must be made within the first 60 days of account opening for introductory APR to apply.

Key Cashback: 0% introductory APR on balance transfers only for the first 12 billing cycles following account opening when balances are transferred within the first 60 days following account opening. After that, your APR on balance transfers will be 13.99% to 22.99% (based on creditworthiness). If you always pay your balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will lose this grace period if you transfer a balance and do not pay off your entire balance by the payment due date. Even if you pay off all of your purchases in full each month, you will begin to pay interest on those purchases. To avoid interest on purchases, you must pay the entire balance (including the balance transfer amount) each month by the payment due date.

Latitude and Key Cashback: The introductory rate does not apply to cash advances. The variable APR for Cash Advances is 23.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. There is a $0.50 minimum finance charge where interest is due. The annual fee is $0. The Overdraft Protection fee is $10. Foreign Transaction fee: 3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Transactions originating in Canada are excluded from this fee.

4

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.