Rewards
2% cash back
2% cash back for clients who bank and save with Key.
1.5% cash back
1.5% cash back on purchases.
Pros & Cons
Pros
- No annual fee
- Up to 2% cash back
Cons
- No welcome bonus
- Foreign transaction fee
Features & Benefits
| Security | Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
| Benefits | Free credit score access, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each foreign purchase transaction in U.S. dollars. |
| Regular APR | 19.24% to 26.24% (V) APR |
0% Intro APR
| Balance Transfers | 0% Intro APR for 12 months on balance transfers, then 19.24% to 26.24% (V) APR after that. |
What Credit Score Is Required to Get the Key Card
Based on data we’ve collected from public forums, a credit score of 670 or higher is ideal. But keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 01/18/2020 | Equifax | ||
| Approved | 03/08/2021 | Equifax |
What Are the Best Alternatives?
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Wells Fargo Active Cash Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
Citi Custom Cash Card
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0