@Anonymous wrote:Curious because a forum/google search brings up posts that are mainly 2015-2018, so they're likely somewhat out of date.
I wouldn't app out of the blue for their cards, but Key holds the loan on my Audi. I went into the local branch today to make the first payment and decided to set up a checking account. Shunt off a chunk of my weekly direct deposit to this account as my main banking institution is a local CU, and automate the loan payments. I left with a new active no-hassle checking account with two months' worth of payments on deposit and preapproval for the Key2More Rewards card and the Latitude card. The rewards card is nothing special but the Latitude is 0% for 15 months, followed by an APR of 9.99-12.99% which is not bad at all. I'm tempted somewhat for that alone. Also, just curious although I'm pretty sure I know, but with their preapproval do they still do a HP? They're still EQ pullers as they confirmed today.
However, the reviews from past years are somewhat lukewarm so I wanted to see if anyone has recent experience with the cards. Any feedback is appreciated
Key has a 2% cashback card. Stay away from Key2More Rewards. It's a joke. They advertise 5x the points for every $1 spent on purchases and a little more after you spend a certain amount each month. Problem is 1 point = 0.002 each.
@VPExecutive wrote:
@Anonymous wrote:Curious because a forum/google search brings up posts that are mainly 2015-2018, so they're likely somewhat out of date.
I wouldn't app out of the blue for their cards, but Key holds the loan on my Audi. I went into the local branch today to make the first payment and decided to set up a checking account. Shunt off a chunk of my weekly direct deposit to this account as my main banking institution is a local CU, and automate the loan payments. I left with a new active no-hassle checking account with two months' worth of payments on deposit and preapproval for the Key2More Rewards card and the Latitude card. The rewards card is nothing special but the Latitude is 0% for 15 months, followed by an APR of 9.99-12.99% which is not bad at all. I'm tempted somewhat for that alone. Also, just curious although I'm pretty sure I know, but with their preapproval do they still do a HP? They're still EQ pullers as they confirmed today.
However, the reviews from past years are somewhat lukewarm so I wanted to see if anyone has recent experience with the cards. Any feedback is appreciated
Key has a 2% cashback card. Stay away from Key2More Rewards. It's a joke. They advertise 5x the points for every $1 spent on purchases and a little more after you spend a certain amount each month. Problem is 1 point = 0.002 each.
As mentioned above in this thread that 2% cashback card is only a 2% card if you meet elevated thresholds - specifically $1K average daily balance and $1K in deposits every month. If not it's a 1.5% card.
@coldfusion wrote:
@VPExecutive wrote:
@Anonymous wrote:Curious because a forum/google search brings up posts that are mainly 2015-2018, so they're likely somewhat out of date.
I wouldn't app out of the blue for their cards, but Key holds the loan on my Audi. I went into the local branch today to make the first payment and decided to set up a checking account. Shunt off a chunk of my weekly direct deposit to this account as my main banking institution is a local CU, and automate the loan payments. I left with a new active no-hassle checking account with two months' worth of payments on deposit and preapproval for the Key2More Rewards card and the Latitude card. The rewards card is nothing special but the Latitude is 0% for 15 months, followed by an APR of 9.99-12.99% which is not bad at all. I'm tempted somewhat for that alone. Also, just curious although I'm pretty sure I know, but with their preapproval do they still do a HP? They're still EQ pullers as they confirmed today.
However, the reviews from past years are somewhat lukewarm so I wanted to see if anyone has recent experience with the cards. Any feedback is appreciated
Key has a 2% cashback card. Stay away from Key2More Rewards. It's a joke. They advertise 5x the points for every $1 spent on purchases and a little more after you spend a certain amount each month. Problem is 1 point = 0.002 each.
As mentioned above in this thread that 2% cashback card is only a 2% card if you meet elevated thresholds - specifically $1K average daily balance and $1K in deposits every month. If not it's a 1.5% card.
It's still better than the Key2More Rewards card.
KeyBank credit cards are nothing special IMHO. The 2% would work for me but I am not willing to do a new app. Lobby service at Key is good. The rest is just another bank. Key is very conservative. Apply for a loan if you don't need money. 
Account updating is glacially slow. Mistakes that were non existant are now not uncommon. I've been credited with deposits I never made. I have been debited for items that are not mine. Easily resolved but still different from the level of service over the years.
I'm a customer because I have been aquired a few times over the years. If there is an issue I can walk into the branch and have the issue resolved easily. I am there because Key has not done anything to drive me away.
@Save-n-Invest wrote:KeyBank credit cards are nothing special IMHO. The 2% would work for me but I am not willing to do a new app. Lobby service at Key is good. The rest is just another bank. Key is very conservative. Apply for a loan if you don't need money.
I'm a customer because I have been aquired a few times over the years. If there is an issue I can walk into the branch and have the issue resolved easily. I am there because Key has not done anything to drive me away.
While certainly not a ringing endorsement, this is all good reason not to fear being there. Like I said, I figured I might as well get an account since they have my car note. I'm going to use the account to fund the loan payments and let some money build up (sending roughly $60/month more than the payment into the account), and I may take the Latitude card for the long 0%, but I also thought the other cards were pretty much milquetoast and won't bother with them. If nothing else, I can use the 0% for some larger yet-to-be-incurred expenses if they arise.