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Founded in 1994 and headquartered in Cleveland, Ohio, KeyBank is a subsidiary of KeyCorp, which is one of the largest bank-based financial service companies in the United States. The company offers a number of services, including banking, loans, and credit cards.

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The Good

  • Competitive APRs
  • Rewards programs
  • No annual fees
  • Security
  • Choice of payment date

Competitive APRs

Depending on the card, KeyBank offers an introductory APR of 0 percent for the first 6 to 15 billing cycles. After that, rates range from 10.24 to 22.24 percent*, which is very competitive within the industry.

Rewards Programs

Each of KeyBank's credit cards offer a rewards program that allows cardholders to earn points that can be redeemed for travel, merchandise, gift cards, and cash back.

No Annual Fees

KeyBank does not charge an annual fee for any of its cards, meaning that there is no cost to be a cardholder. This is a nice benefit that can save customers hundreds of dollars each year.


KeyBank provides its cardholders with a number of security features, including card replacement, credit bureau notifications, and zero liability fraud protection.

Choice of Payment Date

KeyBank allows its cardholders to choose their own payment date, which is a unique benefit that not many companies in the industry offer.

The Bad

  • Lack of information

Lack of Information

KeyBank has not disclosed whether or not it charges late payment or foreign transaction fees on its corporate website. Additionally, it is unclear whether or not the company offers free credit score tracking to its cardholders. This lack of transparency can be frustrating for potential customers who would like to know exactly what they are getting into before selecting a credit card company.

The Bottom Line

KeyBank offers competitive APRs, beneficial rewards programs, and a number of security features. The company also does not charge annual fees and allows its cardholders to choose their own payment date. However, KeyBank has not disclosed several important pieces of information on its corporate website.

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