The KeyBank is a personal credit card from KeyBank. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is 18.74% to 25.74% variable after a 0% introductory APR on purchases and on balance transfers made within the first 60 days introductory rate for 15 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: $200 bonus cash back when you spend $1,000 in qualifying purchases in the first 60 days.. Rewards: No rewards. Cash back: up to 2% cashback on every purchase. This product reports activity to your personal credit report. Great for long-term interest avoidance on both purchases and balance transfers—solid for debt consolidation or lump purchases. KeyBank Key2More Rewards Credit Card. BT Fee: $10 or 4% of each transfer—whichever is greater. Post-intro APR: 19.24%–26.24% variable