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  KeyBank Key2More Rewards Credit Card
KeyBank Key2More Rewards Credit Card Unaffiliated

KeyBank Key2More Rewards Credit Card

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Highlights
Purchase APR  (Variable APR) 21.24% - 28.24%
(Verified 01/31/2023)
Balance Transfer APR  (Variable APR) 21.24% - 28.24%
(Verified 01/31/2023)
Credit Score Range 650 - 850
Annual Fee $0

KeyBank Key2More Rewards Credit Card Review

This is a rewards credit card issued by KeyBank. If you're wondering whether KeyBank Key2More Rewards Credit Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 2 months.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 21.24% up to 28.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 4% Balance transfer fee. KeyBank Key2More Rewards Credit Card charges a fee of 4% on balance transfers, if you transfer the balance within 60 days of opening the account. For example, a balance of $1,000 could cost $40 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 assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of KeyBank Key2More Rewards Credit Card

The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 2 months. There is then a variable purchase APR that ranges from 21.24% up to 28.24%.
  • No annual fee.
  • Multiple credit card perks.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Cardholders can earn rewards on their purchases.
  • KeyBank Key2More Rewards Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 4% balance transfer fee, if you transfer the balance within 60 days of opening the account.

KeyBank Key2More Rewards Credit Card FAQ

Does KeyBank Key2More Rewards Credit Card have a cash back or rewards program?

KeyBank Key2More Rewards Credit Card is a rewards card.

KeyBank Key2More Rewards Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does KeyBank Key2More Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does KeyBank Key2More Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the KeyBank Key2More Rewards Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for KeyBank Key2More Rewards 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. This card has higher than average regular APRs.

KeyBank Key2More Rewards Credit Card has a variable purchase APR that ranges from 21.24% up to 28.24%. The card has a variable balance transfer APR that ranges from 21.24% up to 28.24%. It also has a variable cash advance APR starting at 23.99% .

Does KeyBank Key2More Rewards 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 6 months.

KeyBank Key2More Rewards Credit Card Balance Transfers
Description
Balance Transfer Fee Intro Period 60 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 21.24% - 28.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%

Does KeyBank Key2More Rewards Credit Card have an intro APR offer on new purchases?

KeyBank Key2More Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 2 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 2 months.

What are the fees for KeyBank Key2More Rewards Credit Card?

The following fees apply:

KeyBank Key2More Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does KeyBank Key2More Rewards Credit Card have a foreign transaction fee?

KeyBank Key2More Rewards 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 Key2More Rewards Credit Card?

The KeyBank Key2More Rewards Credit Card customer service number is (202) 803-5275.

What is the support contact email for KeyBank Key2More Rewards Credit Card?

The support contact email for KeyBank Key2More Rewards Credit Card is customerservice@key.com.

What is the KeyBank Key2More Rewards Credit Card login page?

You can access the KeyBank Key2More Rewards Credit Card login page here.

How do people rate the customer service and user experience of KeyBank Key2More Rewards Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does KeyBank Key2More Rewards Credit Card report your account activity to credit bureaus?

Yes, KeyBank Key2More Rewards 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 Key2More Rewards Credit Card

  • Visit the KeyBank Key2More Rewards 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • 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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 2 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 4%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0.50
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Purchase Protection
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Assistance
Rewards Categories
  • Starting at 5x Points on Travel
  • Starting at 5x Points on Select Merchants
Cash Advance APR (Variable APR) Starting at 23.99%
APR Type Variable APR
Purchase APR (Variable APR) 21.24% - 28.24%
(Verified 01/31/2023)
Balance Transfer Fee Intro Period 60 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 21.24% - 28.24%
(Verified 01/31/2023)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Card Type
  • Rewards
Card Network Mastercard

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