KeyBank Key2More Rewards Mastercard® Credit Card As of January 27, 2022 The KeyBank Key2More Rewards Mastercard credit card offers generous rewards and competitive rates. Earn KeyBank Rewards on purchases you make, plus you can boost your level of rewards if you meet monthly minimum spend requirements. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Cash Advances APR for Balance Transfers Lt) 0 .00 %o Introductory APR for the first 6 monthly billing cycles. After that, your APR will be 1 2.99 % to 21 99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 23.99% This APR will vary with the market based on the Prime Rate. 0 0.00% Introductory APR for the first 6 monthly billing cycles following account opening when balance is transferred within the first 60 days following account opening. After that, your APR will be 1 2.99 % to 21 99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
Paying Interest Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. Minimum Interest Charge lf you are charged interest, the charge will be no less than $0.50 For Credit Card Tips from the To lear more about factors to consider when applying for or using a Consumer Financial Protection credit card, visit the website of the Consumer Financial Protection Bureau Bureau at: http./www.consumerfinance.gow/leammore Annual Fee NONE Transaction Fees: Balance Transfer Fee Either $10.00 or 4% of the amount of each transaction, whichever is greater. Cash Advance Fee Either $10.00 or 5% of the amount of each transaction, whichever is greater. Convenience Check Advance Fee Either $10.00 or 4% of the amount of each transaction, whichever is greater. Cash Equivalent Fee Either $10.00 or 5% of the amount of each transaction, whichever is greater. Overdraft Protection Transfer Fee $10.00 
Overdraft Protection Transfer Fee Foreign Transaction Fee Penalty Fees: | Late Payment Fee Apply Now   For help, call us at 1-800-539-9055.   $10.00   3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Transactions originating in Canada are excluded from this fee. Refer to Terms & Conditions.     Up To $40.00   Clients using a TDD/TTY device: 1-800-539-8336. How We Calculate Your Balance: We use a method called the average daily balance method (including new purchases). Loss of Introductory APR: |f you make a late payment, we may end offering you a lower introductory APR and begin charging you the higher APR (for both Purchases and Balance Transfers) that is specified in the table above and scheduled to take effect after the introductory APR is no longer effective. Subject to credit approval.