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 20.74% to 27.74% variable, based on creditworthiness after a 0% intro APR for the first 12 billing cycles on balance transfers made within the first 60 days after account opening introductory rate for 6 months. Signup bonus: $200 bonus cash back when you spend $1,000 in qualifying purchases in the first 60 days.. Rewards: 1% cashback on purchases; up to 2% unlimited cashback with one qualified KeyBank checking account used for 5 or more qualifying transactions a month. This product reports activity to your personal credit report.