Rewards
Pros & Cons
- No annual fee
- Up to 2% cash back
- 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?

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