If you’re someone who loves stacking up rewards with your credit card purchases, the Key2More Rewards® Credit Card might just be the perfect match for you. This card offers the potential to turn everyday spending into valuable perks without the burden of an annual fee.

Whether you’re purchasing groceries, booking travel, or simply paying for your streaming service, you’ll be earning points that can be redeemed for rewards. From cash back to travel deals, the card’s flexibility makes it a great tool to enhance your financial wellness.

With competitive rates, an introductory 0% APR, and Mastercard® network perks, the Key2More Rewards Credit Card strikes a balance between rewarding spending and financial security. Let’s dive into the details to help you decide if this card is right for your wallet.

Key information about the Key2More Rewards® Credit Card

The Key2More Rewards® Credit Card is designed for everyday users who want to maximize the value of their spending. With this card, you earn 5 points for every $1 spent on eligible purchases, and there’s no cap on how many points you can earn! You also receive bonus points when you reach certain spending thresholds each month, making it easy to ramp up your rewards.

For example, if you spend between $1,000 and $1,999 in a calendar month, you’ll get a 25% points bonus. Spend $2,000 or more, and that bonus jumps to 50%. The more you use it, the more value you unlock. All of this comes with no annual fee, and for the first six billing cycles, you’ll enjoy 0% APR on purchases and balance transfers. After that, a variable APR between 22.24% and 29.24% will apply, based on your creditworthiness.

How does the annual fee work?

One of the standout features of the Key2More Rewards® Credit Card is that there is no annual fee. That’s right—you can enjoy all the benefits and rewards this card has to offer without paying a yearly fee. In a world where some reward cards come with hefty fees, this is a breath of fresh air.

Having no annual fee means you can enjoy the perks without any extra cost eating into your rewards. This makes the Key2More Rewards® Credit Card an appealing option for those who want to keep their spending efficient and rewarding.

How is the credit limit determined?

The credit limit for your Key2More Rewards® Credit Card is determined based on several factors, including your credit score, income, and overall creditworthiness. Like most conventional credit cards, KeyBank will assess your credit history to assign a limit that reflects your ability to repay the borrowed amount.

The better your credit score and financial standing, the higher your potential limit. Unfortunately, for those looking for a pre-paid or secured card option, the Key2More Rewards® Credit Card is a traditional credit card, meaning the bank decides your limit, not you.

Key benefits of the Key2More Rewards® Credit Card

This card packs a variety of advantages that cater to frequent users. Here’s what stands out:

• No annual fee: Enjoy rewards without paying to carry the card.
• 0% introductory APR: For the first six billing cycles on purchases and balance transfers (balance transfers must be made within the first 60 days).
• Mastercard® benefits: Zero Liability Protection and ID Theft Protection keep your finances secure.
• Earn 5 points per $1: No caps on eligible purchases, and bonus points for meeting monthly spending thresholds.
• Redeem points your way: Use them for travel, shopping, cash back, event tickets, and more.

A standout feature: The Rewards Program

The real game-changer for the Key2More Rewards® Credit Card is its points-based rewards system. You earn 5 points per $1 on eligible purchases, with no limit to how many points you can rack up. Plus, the monthly bonus system ensures that users who spend more can earn up to 50% additional points.

For example, if you spend $2,500 in a month, you’ll accumulate a whopping 18,750 points, including the bonus. Those points can be redeemed in a wide variety of ways, such as travel, shopping, event tickets, and even cash back. This flexibility makes the Key2More Rewards program stand out from other credit cards in the market.

Disadvantages

While the Key2More Rewards® Credit Card has plenty of perks, there are a few drawbacks to consider:

• High regular APR: After the introductory period, the APR can go as high as 29.24%, depending on your creditworthiness.
• Balance transfer fee: You’ll pay $10 or 4% of the amount transferred, whichever is higher.
• Foreign transaction fees: The card charges a 3% fee on foreign purchases, which may not be ideal for frequent international travelers.

Main disadvantage: High APR Rates

The biggest downside to the Key2More Rewards® Credit Card is the high APR range after the introductory period ends. With rates between 22.24% and 29.24%, this card may not be the best option for those who anticipate carrying a balance.

The high interest can quickly eat into your rewards if you’re not paying off your balance in full each month. That said, if you’re someone who manages to clear your balance regularly, this might not be a concern for you.

Who can apply for this card?

To be eligible for the Key2More Rewards® Credit Card, you must meet the following requirements:

• Minimum age: You must be at least 18 years old.
• Creditworthiness: Since this is a rewards card, you’ll need a good to excellent credit score to qualify.
• Income: KeyBank will assess your income and financial stability when determining eligibility.
• US Residency: You must be a legal resident of the United States to apply.

Unfortunately, this card may not be available to individuals with a poor credit history or those who are currently behind on debt payments.

How to apply for the Key2More Rewards® Credit Card

Through the Website

To apply online, visit KeyBank’s website and navigate to the credit card section. You can fill out the application form and submit it within minutes. Be sure to have your personal information, such as your Social Security number and income details, ready.

Through the Mobile App

If you prefer to handle things on the go, the KeyBank mobile app allows you to apply for the card as well. Simply download the app, log in or create an account, and follow the prompts to submit your application.

At a Branch

For those who prefer in-person interactions, you can apply for the Key2More Rewards® Credit Card by visiting a KeyBank branch. A representative can walk you through the application process and answer any questions you might have.