3/17/2024
Getting a credit card is an important step financially, but it also comes with great responsibility. It means you're already considered trustworthy enough to handle a line of credit. But you must also be careful not to overextend yourself or damage your credit history.
If you are thinking of applying for a credit card at KeyBank, you should know that this bank offers a wide variety of options to suit different profiles. Before making your application, it is important that you know what they offer and what you need to be approved.
Types of credit cards offered by KeyBank
KeyBank offers a variety of cards to meet the needs of its customers. These include rewards cards and secured cards for those looking to build or improve their credit.
An option for those with limited credit history. This card requires the cardholder to have funds on deposit in a Key Active Saver® account as collateral.
The credit limit ranges from $300 to $5,000, determined by the applicant's creditworthiness. The variable APR for purchases is 28.24%, and there is no foreign transaction fee. In addition, it has no annual fee and offers payment flexibility and fraud protection.
KeyBank Latitude
Offers 0% introductory APR for 15 billing cycles on all purchases and balance transfers. After this period, the variable APR for purchases and balance transfers is 20.24% to 27.24%, based on creditworthiness.
To take advantage of the introductory APR, users must make any balance transfers during the first two months after the account is opened. This card also allows users to earn reward points for every dollar in eligible purchases.
This card offers a 0% introductory APR on balance transfers for the first 12 billing cycles after account opening. This is provided balances are transferred within the first 60 days.
After this period, the APR is variable between 22.24% and 29.24%, depending on creditworthiness. In addition:
- 1% cash back on all purchases.
- 2% cash back when banking and saving with Key.
- No annual fee.
- Includes benefits such as identity theft protection and rental car coverage.
All KeyBank credit cards offer access to the user's FICO® Score and Tap & Go® contactless payment technology. And of course, access to all the benefits of the Mastercard network such as identity theft resolution services and zero liability protection.
It is important to note that interest rates and terms may change. Therefore, we recommend reviewing the most current information directly with KeyBank or on its official website.
Credit card application requirements
The basic requirements that applicants must meet are:
- Age: be of legal age, i.e., at least 18 years old.
- Address: have a verifiable address in the United States.
- Identification: present a valid photo ID, such as a driver's license or state ID card.
- Legal Status: Possess a Green Card or U.S. citizenship.
In addition to these basic requirements, it is important to note that all KeyBank credit products are subject to credit approval. This means that the lender will evaluate the creditworthiness of the applicant. That is, history, income, existing debts and payment capacity.
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It is recommended that interested parties contact the bank directly for a complete list of requirements and documents needed. Please note that these may vary depending on the type of credit card and the applicant's individual situation.
Steps to apply online
To apply online for a credit card from this bank, you must:
- Visit KeyBank's official website.
- Navigate to the credit card section to explore the different options available.
- Choose the one that best suits your needs and click on the "Apply Now" button.
- Complete the application form with your personal, financial and contact information. This will include your name, address, income, Social Security number and any other personal information.
- Review the terms and conditions of the card, including interest rate, fees and benefits.
- Submit the application online and wait for a response. You may receive an instant decision or it may take a few days if additional review is required.
If you need assistance during the application process or have questions, you can call customer service at 1-800-KEY2YOU® (539-2968). You can also visit a KeyBank branch for in-person assistance.
Are you ready to apply for a KeyBank credit card? When you get one, remember to follow healthy financial habits like paying your balance in full each month, avoiding cash withdrawals, and setting up alerts and reminders to pay on time.
Español: ¿Cómo aplicar para una tarjeta de crédito del KeyBank?