Bank · FDIC insured
KeyBank Credit Card Rates
KeyBank credit cards start at 20.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How KeyBank’s credit card rates compare
Compared with banks and credit unions near Seattle, WA, where KeyBank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
KeyBank
20.74%APR
- Up to
- 27.74% APR
Key Cashback Credit Card
Lowest rate
America's Credit Union
8.79%APR
- Up to
- 18.00% APR
2nd-lowest rate
Firefighters First Credit Union
8.99%APR
- Up to
- 16.99% APR
KeyBank credit card score
60
Credit card score
Higher than 0% of U.S. banks and credit unions
- Purchase APRPurchase APR20.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where KeyBank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Key Cashback Credit Card
Earns 2% cashback with an eligible open KeyBank consumer checking account (or Key Private Bank checking account) with 5 or more qualifying transactions per month; otherwise earns 1% cashback.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% introductory APR on balance transfers only for the first 12 billing cycles following account opening when balances are transferred within the first 60 days following account opening. Balance transfer fee: $10 or 4%, whichever is greater. |
| Ongoing | 20.74%–27.74% | None | Variable APR for purchases based on creditworthiness and the Prime Rate. |
| Ongoing | 27.74% | None | Variable APR for cash advances based on Prime Rate. Cash advance fee: 5%, $10 minimum. |
Sources (2)
- key.com/personal/credit-cards/compare-credit-cards.html
- key.com/personal/credit-cards/…ashback-credit-card.html
All captured Oct 7, 2026
Key Secured Credit Card
Requires cardholder to have funds on deposit in a Key Active Saver account in an amount greater than or equal to the assigned credit limit ($300 – $5,000). Monthly service charge on Key Active Saver waived while card is open.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 26.74% | None | Variable APR for purchases based on Prime Rate. Card is for purchases only and does not offer cash advances, convenience checks, or balance transfers. Credit limit is between $300 – $5,000. |
Sources (2)
- key.com/personal/credit-cards/compare-credit-cards.html
- key.com/personal/credit-cards/…secured-credit-card.html
All captured Oct 7, 2026
KeyBank Latitude Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% introductory APR for the first 15 billing cycles on all purchases after account opening. |
| Ongoing | 18.74%–25.74% | None | Standard variable APR for purchases after introductory period based on creditworthiness and Prime Rate. |
| Ongoing | 27.74% | None | Variable APR for cash advances based on Prime Rate. Cash advance fee: 5%, $10 minimum. |
Sources (2)
- key.com/personal/credit-cards/compare-credit-cards.html
- key.com/personal/credit-cards/…latitude-mastercard.html
All captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.