WalletHubNo membership fees0% intro APR on purchases10% back in rewards initial rewards bonusBonus rewards categoriesNo intro APR on balance transfersHigh regular APRRequires good/excellent creditThe Key Credit Card
The Key Credit Card
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 12 months, 29.24% (V) APR after that
Balance Transfer
APR: 29.24% (V)
Balance Transfer Fee
Rewards
Earn 10% back for the first 30 days when you use your card at any of the eight family brands.
5% back in rewards online and in stores across the eight family brands.
4% back in rewards at grocery stores, restaurants (excludes fast food) and on food delivery; and 1% back in rewards on everything else.
For every $10 of Rewards you earn, you will receive a $10 Rewards Certificate following a 30-day vesting period.
Celebrate with a $25 birthday reward sent annually to your email when you shop with your Card.
Free standard shipping on eligible purchases in-store or online.
The Key Credit Card's Additional Info
Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Choose between 5% back in rewards or 12 months of equal monthly payment promotional financing on purchases of $750 or more.
Capital One Mobile app, Card Lock, ENO your Capital One Assistant, and Zero Fraud Liability.
| cash advance fee | 5% (min $5) |
| cash advance APR | 29.24% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes, chip-and-signature |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
The Key Credit Card Pros & Cons
No membership fees
0% intro APR on purchases
10% back in rewards initial rewards bonus
Bonus rewards categories
No intro APR on balance transfers
High regular APR
Requires good/excellent credit
Compare The Key Credit Card vs. Popular Alternatives
annual fee$0 | annual fee$0 | annual fee$0 |
Purchase Intro APR0% for 12 months | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR29.24% (V) | Regular APR18.74% - 27.49% (V) | Regular APR18.74% - 26.74% (V) |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now |
The Key Credit Card Q&A
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Offer last updated: Dec 2nd, 2025 at 14:24 ET
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