KeyBank Credit Cards

We found 7 KeyBank credit cards. Read on to get more insights.

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By Hanna Volkava

Updated September 01, 2025

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KeyBank Key Cashback®

Annual fee:

Regular APR:

22.24% - 29.24% Variable

Our Rating:

3.89

Credit score

Fair to Good (580-739)

Rewards Rate:
- 1.5% Cash Back on purchases.
Balance Transfer APR:
22.24% - 29.24% Variable

Issuer name:
KeyBank
Details:
The Key Cashback® Credit Card earns 1.5% Cash Back on every purchase, and 2% Cash Back when you bank and save with Key.
The Key Cashback® Card has no annual fee.
The Card has a 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 will be 22.24% to 29.24% (based on creditworthiness).

Pros:
- No Annual Fee
- Intro APR period on balance transfers
Cons:
- Foreign Transaction Fee
- No welcome bonus

Benefits:
- 1.5% Cash Back on every purchase, and 2% Cash Back when you bank and save with Key;
- Identity Theft Protection™;
- Zero Liability Protection;
- Master Rental® Coverage;
- Mastercard Global Services™.

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Card detail

KeyBank Key Secured

Annual fee:

Regular APR:

28.24%

Our Rating:

1.56

Credit score

No Credit History to Poor (0-579)

Issuer name:
KeyBank
Details:
The Key Secured Credit Card is a card designed for building or rebuilding credit. This card reports your history to credit bureaus.
The Key Secured Card has no annual fee. The APR for purchases is 28.24%.
Your account is reviewed twice a year to determine if you qualify for an unsecured credit card.

Pros:
- No Annual Fee
- No Foreign Transaction Fee
Cons:
- Balance transfers are not available
- No Rewards

Benefits:
- Secured by a minimum deposit greater than or equal to $300 in a Key Active Saver® account (up to $5,000);
- The Card reports your history to credit bureaus;
- Temporary lock feature;
- Zero Liability Protection;
- Identity Theft Protection™.

View all Key Secured details

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Card detail

KeyBank Key2More Rewards®

Annual fee:

Regular APR:

22.24% - 29.24% Variable

Our Rating:

4.42

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 5x Points for every $1 in eligible purchases, plus monthly bonuses.
Purchase Intro APR:
0% Introductory APR for the first 6 monthly billing cycles
Balance Transfer APR:
22.24% - 29.24% Variable

Issuer name:
KeyBank
Details:
The Key2More Rewards® Credit Card earns 5x points per $1 spent on eligible purchases with no caps.
The Key2More Rewards® Card has no annual fee.
The Card has a 0% introductory APR period 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 22.24% to 29.24% based on your creditworthiness.

Pros:
- No Annual Fee
- Intro APR period
Cons:
- Foreign Transaction Fee

Benefits:
- 5 points per $1 spent on eligible purchases with no caps;
- Zero Liability Protection.

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Card detail

KeyBank Business Rewards Mastercard®

Annual fee:

Regular APR:

17.24% - 27.24% Variable

Our Rating:

4.4

Credit score

Fair to Good (580-739)

Rewards Rate:
- 10x Points on business purchases including gas, travel, restaurants and telecommunications.
- 5x Points on all other eligible spending.
Intro Offer:
- $200 Earn $200 worth of bonus points when you spend $1,000 in the first 60 days when you have a qualifying KeyBank checking account.
Purchase Intro APR:
0% Introductory APR for the first 6 monthly billing cycles
Balance Transfer APR:
17.24% - 27.24% Variable

Issuer name:
KeyBank
Details:
The Business Rewards Mastercard® Credit Card offers 10x points on business purchases including gas, travel, restaurants and telecommunications and 5x points on all other eligible spending.
Earn $200 worth of bonus points when you spend $1,000 in the first 60 days when you have a qualifying KeyBank checking account.
The Business Rewards Mastercard® doesn't charge an annual fee.
The Card has a 0% introductory APR period for 6 billing cycles on purchases and balance transfers (made within 60 days of account opening). After that, the variable APR is 17.24% - 27.24%.

Pros:
- No Annual Fee
- Intro APR period
Cons:
- Foreign Transaction Fee

Benefits:
- Earn $200 worth of bonus points when you spend $1,000 in the first 60 days when you have a qualifying KeyBank checking account.;
- 10x points on business purchases including gas, travel, restaurants and telecommunications;
- 5x points on all other eligible spending;
- No caps on rewards;
- Car Rental Insurance.

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Card detail

KeyBank Latitude® Mastercard®

Annual fee:

Regular APR:

20.24% - 27.24% Variable

Our Rating:

3.49

Credit score

Fair to Good (580-739)

Purchase Intro APR:
0% Introductory APR for the first 15 billing cycles on purchases
Balance Transfer APR:
20.24% - 27.24% Variable

Issuer name:
KeyBank
Details:
The KeyBank Latitude® Mastercard® Credit Card doesn't charge an annual fee.
The Card has a 0% introductory APR period for 15 billing cycles on purchases. In addition, there is a 0% introductory APR period for 15 billing cycles on balance transfers made within 60 days of account opening. After that, the variable APR is 20.24% - 27.24%.

Pros:
- No Annual Fee
- Intro APR period
Cons:
- Foreign Transaction Fee

Benefits:
- Zero Liability Protection;
- Travel and Entertainment Assistance;
- Identity Theft Protection™;
- FICO® Score for free.

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Card detail

KeyBank Laurel Road Student Loan Cashback®

Annual fee:

Regular APR:

19.24% - 28.24% Variable

Our Rating:

4.11

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 2% Cash Back towards eligible student loans.
- 1% Cash Back towards anything else.
Intro Offer:
- $300 Cash Back rewards towards any eligible student loan after you spend $3,000 in the first 90 days with your Laurel Road Student Loan Cashback card.
Balance Transfer APR:
19.24% - 28.24% Variable

Issuer name:
KeyBank
Details:
The Laurel Road Student Loan Cashback® Credit Card is a cash back card that can help you pay off your student loans.
The Laurel Road Student Loan Cashback® Card earns 2% Cash Back towards eligible student loans and 1% Cash Back towards anything else.
As a new member, you can earn $300 in cashback rewards towards any eligible student loan after you spend $3,000 in the first 90 days.
The Laurel Road Student Loan Cashback® Card doesn't charge an annual fee. The Card has a 0% Intro APR period for the first 12 monthly billing cycles following account opening when balance is transferred within the first 60 days following account opening. After that, your APR will be 19.24% to 28.24% Variable.

Pros:
- No Annual Fee
- No Foreign Transaction Fee
- Intro APR period on balance transfers
Cons:
- No Intro APR period on purchases

Benefits:
- $300 in Cash Back rewards towards any eligible student loan (after you spend $3,000 in the first 90 days);
- 2% Cash Back towards eligible student loans;
- 1% Cash Back towards anything else;
- Mastercard ID Theft Protection;
- Extended Warranty;
- Mastercard Priceless® Experiences.

View all Laurel Road Student Loan Cashback® details

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Card detail

KeyBank Business Mastercard®

Annual fee:

Regular APR:

16.24% - 26.24% Variable

Our Rating:

3.28

Credit score

Fair to Good (580-739)

Purchase Intro APR:
0% Introductory APR for the first 6 monthly billing cycles
Balance Transfer APR:
16.24% - 26.24% Variable

Issuer name:
KeyBank
Details:
The KeyBank Business Mastercard® Credit Card has a 0% introductory APR period for 6 billing cycles on purchases. In addition, there is a 0% introductory APR period for 6 billing cycles on balance transfers made within 60 days of account opening. After that, the variable APR is 16.24% - 26.24%.
The Business Mastercard® doesn't charge an annual fee.

Pros:
- No Annual Fee
- Intro APR period
Cons:
- No rewards
- Foreign Transaction Fee

Benefits:
- Business Software Discounts;
- Cybersecurity and ID Theft Protection;
- Car Rental Insurance;
- Global Emergency Services and access to Mastercard’s TPC Golf Privileges.

View all Business Mastercard® details

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Card detail

How to Choose the Right KeyBank Credit Card?

Choosing the right credit card from a specific credit card company is quite difficult. Considering KeyBank, the three following steps can make your decision process easier.

First of all, you need to check your current credit score. It will be from "Poor” to “Excellent”, and the higher your score is, the better KeyBank credit card offers and terms are available to you.

Secondly, you should understand why you need a KeyBank credit card and determine the most important features your future credit card must have. If you search for a credit card to increase your credit, look for the ones with long grace period and no annual fee. If your aim is to avoid spending money on interest, KeyBank credit cards with the smallest interest and long intro offer are your option. If you are looking for a credit card with cashback, pay attention to the rewards program offered by KeyBank.

As a third step, you should compare the KeyBank offers you think are the best for you, but looking at all the features. In general, an ideal credit card meet the following characteristics: low annual percentage rate (APR), low fees, high credit limit, the finance charge calculations include one billing cycle only, and big rewards and sign-up bonuses. You can easily compare KeyBank credit cards in the table below.

Side-by-Side Comparison of KeyBank Credit Cards

Card Name	APR	Annual fee	Rewards	Intro offer
Key Cashback®	22.24% - 29.24% Variable	$0	1.5% Cash Back on purchases.	No current offer.
Key Secured	28.24%	$0	This card doesn't offer cash back, miles or points.	No current offer.
Key2More Rewards®	22.24% - 29.24% Variable	$0	5x Points for every $1 in eligible purchases, plus monthly bonuses.	No current offer.
Business Rewards Mastercard®	17.24% - 27.24% Variable	$0	10x Points on business purchases including gas, travel, restaurants and telecommunications. 5x Points on all other eligible spending.	$200 Earn $200 worth of bonus points when you spend $1,000 in the first 60 days when you have a qualifying KeyBank checking account.
Latitude® Mastercard®	20.24% - 27.24% Variable	$0	This card doesn't offer cash back, miles or points.	No current offer.
Laurel Road Student Loan Cashback®	19.24% - 28.24% Variable	$0	2% Cash Back towards eligible student loans. 1% Cash Back towards anything else.	$300 Cash Back rewards towards any eligible student loan after you spend $3,000 in the first 90 days with your Laurel Road Student Loan Cashback card.
Business Mastercard®	16.24% - 26.24% Variable	$0	This card doesn't offer cash back, miles or points.	No current offer.

Conclusion

Today, KeyBank has a range of credit cards with numerous options, yet it’s important to find the one that designed for you.

Hanna Volkava

Financial and product expert

hv@myfin.us

KeyBank Credit Cards

Best Credit Cards in September 2025

KeyBank Key Cashback®

KeyBank Key Secured

KeyBank Key2More Rewards®

KeyBank Business Rewards Mastercard®

KeyBank Latitude® Mastercard®

KeyBank Laurel Road Student Loan Cashback®

KeyBank Business Mastercard®

How to Choose the Right KeyBank Credit Card?

Side-by-Side Comparison of KeyBank Credit Cards

Conclusion

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