Key Private Bank Visa Signature Card Description

The Key Private Bank Visa Signature is a prestigious credit card designed to cater to high-net-worth individuals looking for exclusive benefits and an optimal rewards program. Issued by KeyBank, this card provides a plethora of features that make it a top choice among premium credit cards.

Card Type

The Key Private Bank Visa Signature is categorized as a premium rewards credit card. It is specifically tailored for clients interested in earning rewards on their daily spending while enjoying exclusive perks and benefits.

Annual Fee

This credit card comes with a competitive annual fee of $75. However, with the high value of the rewards and benefits associated with this card, many users find that the annual fee pays for itself through earned rewards and exclusive privileges.

Rewards Program

The rewards structure of the Key Private Bank Visa Signature is robust. Cardholders can earn 2 points per dollar spent in select bonus categories, including dining, travel, and entertainment. Additionally, cardholders earn 1 point per dollar spent on all other purchases. Points can be redeemed for a variety of options, including cashback, travel bookings, gift cards, and merchandise, providing flexibility in how rewards can be utilized.

Sign-Up Bonus

New applicants can take advantage of a lucrative sign-up bonus. Cardholders may receive 30,000 bonus points after spending $3,000 within the first three months of account opening. This bonus can be translated into $300 in cashback or can be utilized for travel and other purchases.

APR (Annual Percentage Rate)

The ongoing Annual Percentage Rate (APR) for purchases is competitive, starting at 13.24% to 24.24%, depending on the applicant’s creditworthiness. Furthermore, the Key Private Bank Visa Signature offers an introductory 0% APR on balance transfers performed within the first 12 months, allowing users to manage existing debt effectively.

Foreign Transaction Fees

Travel enthusiasts will appreciate that this credit card does not impose any foreign transaction fees. This means that cardholders can use their Key Private Bank Visa Signature card abroad without worrying about additional charges on their transactions.

Balance Transfer Options

Cardholders may take advantage of special balance transfer options with an introductory 0% APR for the first 12 months. This offer allows users to transfer existing credit card balances and save on interest payments, making it an attractive feature for those looking to streamline their finances.

Additional Fees

While the Key Private Bank Visa Signature card has a manageable annual fee, it’s essential to be aware of other potential costs. There is a late payment fee of up to $40 and a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is greater. It’s crucial for cardholders to manage payments to avoid these fees.

Card Benefits and Perks

The Key Private Bank Visa Signature card provides a multitude of benefits tailored for an elevated user experience. Cardholders enjoy travel insurance, concierge services that assist with travel arrangements, and access to exclusive airport lounges, which greatly enhance travel comfort and convenience.

Customer Protections and Insurance

This credit card comes with robust customer protection features. These include $0 fraud liability, providing peace of mind in case of unauthorized transactions. Additionally, purchase protection covers eligible purchases for damage or theft, while rental car insurance provides coverage when car rentals are paid for using the card.

Eligibility and Credit Score Requirements

To be eligible for the Key Private Bank Visa Signature card, applicants should typically possess a good to excellent credit score, generally ranging from 700 to 850. This ensures that cardholders are financially responsible and can manage their credit effectively.

Introductory Offers

In addition to the balance transfer offer, the card has a 0% introductory APR on purchases for the first 12 months, which is beneficial for those looking to make significant purchases without incurring interest charges for an introductory period.

Special Features or Unique Selling Points

concierge service. This service can assist with everything from travel bookings to restaurant reservations, offering cardholders a personalized touch that’s often not found in other premium cards.

How to Apply

Interested individuals can apply for the Key Private Bank Visa Signature card through various channels. Applications can be submitted ‘>Official Website or for more financial insights, check out UpCube.net.