KeyBank Rewards Credit Card
Basic Information
Program ID: keybank-rewards
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 16:05
Last Scraped: 01/15/2026 16:07
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $75,000.00
Spending Requirement: $4,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Gas, 2x Groceries, 2x Dining
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Please note: 'keybank-rewards' is a program associated with KeyBank, not Capital One. This analysis assumes the user intended to inquire about a *hypothetical* Capital One rewards card, applying Capital One's general application and bonus rules as projected for 2026, acknowledging that specific 2026 rules are speculative but likely to follow current trends. **Eligibility Requirements (Capital One General Rules, projected for 2026):** * **Credit Score:** Applicants typically need good to excellent credit (generally FICO scores of 700+) for Capital One's rewards credit cards. * **Income:** Sufficient verifiable income to support the requested credit limit and demonstrate repayment ability. * **New Accounts (Unofficial '2/6, 3/12' Rule):** Capital One is highly sensitive to recent credit inquiries and new credit card accounts opened across *all* issuers. While not officially published, data points suggest that applicants may face difficulty getting approved if they have opened 2 or more new credit accounts in the last 6 months, or 3 or more in the last 12 months. * **Existing Capital One Cards:** Generally, Capital One limits new credit card approvals to one every six months per individual. * **Bonus Eligibility:** For most Capital One cards, you are typically not eligible for a sign-up bonus if you currently have or have had that specific card product in the past (often within a certain timeframe). For premium cards like the Venture X (as mentioned in the prompt), a 'once per lifetime' bonus restriction applies. Capital One reserves the right to deny a bonus if they suspect bonus churning or abuse of their rewards programs.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, unusual spending patterns inconsistent with typical consumer behavior), high cumulative credit limit across all Capital One cards relative to reported income, repeated late payments or defaults on any credit products, rapid accumulation of new credit accounts across all issuers (even if not Capital One), suspected abuse of sign-up bonuses or rewards programs, or providing inaccurate information on applications.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Simple, flat-rate 2X rewards on all purchases, no annual fee, easy redemption.
Top Negative Feedback:
Lack of premium benefits, no bonus categories, potentially higher APR for some users, limited travel perks.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Capital One Quicksilver Cash Rewards Credit Card
- Wells Fargo Active Cash Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $400.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0