| APR for purchasesintroductory rate first |
| Introductory, 6 billing cycles | 0%KeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| 17.49%–27.49% variableKeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| APR for balance transfersintroductory rate first |
| Introductory, 6 billing cycles | 0%KeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| After | 17.49%–27.49% variableKeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| APR for cash advances | 27.49% variableKeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | Not disclosed | |
| Minimum interest charge | $0.50KeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Annual fee | —no categories, no expiration dates, no annual fees.KeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Transaction fees |
| Cash advance | 5% of the amount, minimum $10, The 0% introductory APR is valid for the first 6 billing cycles on Purchases and Balance Transfers and does not apply to Cash Advances. Thereafter, the variable APR for Purchases and Balance Transfers is 17.49% to 27.49% (depending on your creditworthiness). Balance Transfers must be made within 60 days of account opening for introductory APR to apply. The variable APR for Cash Advances is 27.49%. Cash Advance fee: 5%, $10 minimum. Convenience Check fee: 4%, $10 minimum. Cash Equivalent fee: 5%, $10 minimum. Balance Transfer fee: 4%, $10 minimum. Overdraft Protection Transfer fee: $0. There is a $0.50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of each foreign purchase transaction in U.S. dollars. Transactions originating in Canada are excluded from this fee.KeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Balance transfer | 4% of the amount, minimum $10, The 0% introductory APR is valid for the first 6 billing cycles on Purchases and Balance Transfers and does not apply to Cash Advances. Thereafter, the variable APR for Purchases and Balance Transfers is 17.49% to 27.49% (depending on your creditworthiness). Balance Transfers must be made within 60 days of account opening for introductory APR to apply. The variable APR for Cash Advances is 27.49%. Cash Advance fee: 5%, $10 minimum. Convenience Check fee: 4%, $10 minimum. Cash Equivalent fee: 5%, $10 minimum. Balance Transfer fee: 4%, $10 minimum. Overdraft Protection Transfer fee: $0. There is a $0.50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of each foreign purchase transaction in U.S. dollars. Transactions originating in Canada are excluded from this fee.KeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Foreign transaction | 3% of the amount, The 0% introductory APR is valid for the first 6 billing cycles on Purchases and Balance Transfers and does not apply to Cash Advances. Thereafter, the variable APR for Purchases and Balance Transfers is 17.49% to 27.49% (depending on your creditworthiness). Balance Transfers must be made within 60 days of account opening for introductory APR to apply. The variable APR for Cash Advances is 27.49%. Cash Advance fee: 5%, $10 minimum. Convenience Check fee: 4%, $10 minimum. Cash Equivalent fee: 5%, $10 minimum. Balance Transfer fee: 4%, $10 minimum. Overdraft Protection Transfer fee: $0. There is a $0.50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of each foreign purchase transaction in U.S. dollars. Transactions originating in Canada are excluded from this fee.KeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Penalty fees |
| Late payment | — | |
| Returned payment | — | |
| Balance transfer terms | within 60 days of opening the accountKeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Cash advance · Regular; Purchase · Introductory; Purchase · Regular | The 0% introductory APR is valid for the first 6 billing cycles on Purchases and Balance Transfers and does not apply to Cash Advances. Thereafter, the variable APR for Purchases and Balance Transfers is 17.49% to 27.49% (depending on your creditworthiness). Balance Transfers must be made within 60 days of account opening for introductory APR to apply. The variable APR for Cash Advances is 27.49%. Cash Advance fee: 5%, $10 minimum. Convenience Check fee: 4%, $10 minimum. Cash Equivalent fee: 5%, $10 minimum. Balance Transfer fee: 4%, $10 minimum. Overdraft Protection Transfer fee: $0. There is a $0.50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of each foreign purchase transaction in U.S. dollars. Transactions originating in Canada are excluded from this fee.KeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Cash back | 1.50% cash back; up to 2% when conditions are met. Payment timing is not disclosed. Business Cash Rewards customers earn 1.5% unlimited cash back on all purchases. You can earn a .25% bonus for having a KeyBank business checking account, open and in good standing, and maintaining an average daily balance of $2,000. You can also earn a .25% bonus for processing payments through a qualifying Key Merchant Services program. Clover Go® accounts are not a qualifying Key Merchant Services program. Eligible purchases do not include cash advances (such as the purchase of cash or cash equivalents, including casino chips, lottery tickets, or money orders), ATM disbursements, balance transfers, person-to-person money transfers, use of any Convenience Checks, interest on your Account, unauthorized or fraudulent charges, fees of any kind, overdraft protection transfers or credits. Certain exclusions apply. We will determine whether you have met the bank and process criteria on the last Monday of each calendar month, based on your deposit account status and processing activity over the thirty (30) calendar days prior to the immediately preceding Saturday. The KeyBank Rewards Program Terms and Conditions and Points Guide apply, are subject to change and can be found at KeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
| Cash signup bonus | $200 cash award. After $1,000 in qualifying purchases. Purchases must qualify within 60 days of account opening. Payment timing is not disclosed. To qualify for the $200 bonus, you must spend at least $1,000 on qualifying Purchases within 60 days of account opening. Cash back is awarded based on Net Purchases and specifically excludes transactions such as Cash Advances of any type, Balance Transfers, Convenience Checks, Overdraft Protection transfers, and Quasi-Cash transactions. Please refer to the KeyBank National Association · Page Capture Aug 26, 2026 · Captured Aug 26, 2026 | Website |
