KeyBank Key Cashback Credit Card
in Personal Credit Cards from KeyBank
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| Purchase APR (Variable APR) | 13.99% - 22.99% |
| Balance Transfer APR (Variable APR) | 13.99% - 22.99% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
KeyBank Key Cashback Credit Card Review
This is a cashback credit card issued by KeyBank. If you're wondering whether KeyBank Key Cashback Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 2 months , which is shorter than the average 0% APR period of 12 months.
- Competitive APRs. KeyBank Key Cashback Credit Card has a variable purchase APR that ranges from 13.99% up to 22.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
- 1% Balance transfer fee. KeyBank Key Cashback Credit Card charges a fee of 1% on balance transfers. For example, a balance of $1,000 could cost $10 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, purchase protection, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval oods if your credit score is above650.
| The Good | The Bad |
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Does KeyBank Key Cashback Credit Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 2% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.
What are the KeyBank Key Cashback Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for KeyBank Key Cashback Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It has a variable purchase APR that ranges from 13.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 22.99%. It also has a variable cash advance APR starting at 23.99% .
Does KeyBank Key Cashback Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 2 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | Starting at 3% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 2 months |
| Balance Transfer APR | 13.99% - 22.99% |
| Balance Transfer Fee Minimum | $10 |
| Balance Transfer Fee % | 1% |
Does KeyBank Key Cashback Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for KeyBank Key Cashback Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Late Payment Fee | up to $39 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does KeyBank Key Cashback Credit Card have a foreign transaction fee?
KeyBank Key Cashback Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for KeyBank Key Cashback Credit Card?
The KeyBank Key Cashback Credit Card customer service number is (202) 803-5275.
Does KeyBank Key Cashback Credit Card report your account activity to credit bureaus?
Yes, KeyBank Key Cashback Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for KeyBank Key Cashback Credit Card
- Visit the KeyBank Key Cashback Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
2121 Ward Place NW,
Floor 3
Washington DC, 20037 - (202) 803-5275
- Visit Site
Other Services by KeyBank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| No Annual Fee | |
| Annual Fee | $0 |
| Cash Advance Fee (%) | Starting at 4% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| Minimum Interest Charge | $0.50 |
| Late Fee Amount | Up to $39 |
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