KeyBank Key2More Rewards® Mastercard® Credit Card
MastercardIssued by KeyBank
Earn 5x base points on all purchases, boosted up to 7.5x points if you spend over $2,000 per month.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
20.49% – 27.49%
0% intro APR for 6 months. Rate based on Prime Rate and Creditworthiness.
SIGN-UP BONUS
-
No welcome bonus is currently available for new cardholders.
TOP POINTS
5x points
Earn a base of 5 points for every $1 spent on eligible credit card purchases. This applies if your monthly spend is under $1,000.
Key Benefits
- Earn 5 points for every $1 spent on eligible credit card purchases, with no caps
- Earn a 25% monthly points bonus when you spend $1,000 to $1,999 in a calendar month
- Earn a 50% monthly points bonus when you spend $2,000 or more in a calendar month
- Redeem points for travel, shopping, event tickets, gift cards, cash back, and more
- Temporary Lock Feature to secure a misplaced card via the mobile app
- Overdraft Protection available when linked to a KeyBank checking account
Important Limitations
- Low spenders who won't hit the $1,000 or $2,000 monthly thresholds for bonuses
- International travel (card incurs a 3% foreign transaction fee outside of Canada)
- Maximizing point value (points are typically valued at $0.002 each)
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| All | 5x points | Unlimited (no annual cap) | Earn a base of 5 points for every $1 spent on eligible credit card purchases. This applies if your monthly spend is under $1,000. |
Fees & APR
ANNUAL FEE
$0
INTRO APR (6 MONTHS)
0%
REGULAR PURCHASE APR
20.49% – 27.49%
CASH ADVANCE APR
27.49% – 27.49%
FOREIGN TRANSACTION FEE
3%
LATE PAYMENT FEE
$40
BALANCE TRANSFER FEE
$10 OR 4%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Mastercard ID Theft Protection™
- ✓Provides identity monitoring and resolution services to help protect your personal information and restore your identity if compromised.
- ✓Must enroll as a valid Mastercard cardholder
Free FICO® Score
- ✓Access your FICO® Score anytime in online and mobile banking without impacting your credit.
- ✓Must opt-in via KeyBank online or mobile banking
Security Features
- ✓Zero Liability Protection – Protects you against unauthorized transactions if your card is lost or stolen.
- ✓Temporary Card Lock – Lock a missing credit card via online or mobile banking to prevent new charges while you locate it.
Best Use Cases
IDEAL FOR
- Existing KeyBank customers wanting to keep their finances in one app
- High spenders who can consistently spend over $2,000 a month to earn the 50% points bonus
- Users looking for a 0% introductory APR on purchases and balance transfers alongside a rewards program
NOT RECOMMENDED FOR
- Low spenders who won't hit the $1,000 or $2,000 monthly thresholds for bonuses
- International travel (card incurs a 3% foreign transaction fee outside of Canada)
- Maximizing point value (points are typically valued at $0.002 each)
Maximize Your Rewards Strategy
Months 1–6: Use 0% APR
- Finance large purchases interest-free
- Spread purchases over months
- Create payment plan before month 7
- Avoid 20.49% – 27.49% APR kicking in
- Calculate monthly payments needed
Earn More Points
- 5x points on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-539-2968
Terms subject to change · View full terms
Last updated: Feb 26, 2026
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