Tag: KeyBank credit cards

KeyBank Platinum Travel Rewards: A Comprehensive Overview

The KeyBank Platinum Travel Rewards credit card offers an exceptional opportunity for avid travelers looking to maximize their rewards while enjoying added travel benefits. Issued by KeyBank, this travel credit card is designed to cater to those seeking a cost-effective and rewarding way to earn points on their spending. Below, we delve into various aspects of this card, highlighting its features, benefits, and some considerations for potential applicants.

Card Type

The KeyBank Platinum Travel Rewards card is primarily a travel rewards credit card. It allows cardholders to earn points on various purchases leading to rewarding travel experiences while providing added protections and lifestyle benefits.

Annual Fee

A significant advantage of the KeyBank Platinum Travel Rewards credit card is that it comes with no annual fee. This makes it an attractive option for individuals who want to earn rewards without the burden of a recurring cost.

Rewards Program

The card features a robust rewards program that allows users to earn points on every dollar spent. Cardholders earn 3 points for every dollar spent on travel-related purchases, 2 points on dining, and 1 point on all other purchases. Points can be redeemed for travel expenses, gift cards, or even cash back, making it a flexible and valuable rewards program.

Sign-Up Bonus

New cardholders can benefit from a generous sign-up bonus. When applicants spend $3,000 within the first three months of account opening, they can receive 30,000 bonus points. This amount can be redeemed for a significant travel reward, enhancing the overall appeal of the card.

APR (Annual Percentage Rate)

The KeyBank Platinum Travel Rewards card offers a competitive regular APR of 17.74% to 25.74% variable, based on the applicant’s creditworthiness. For those who may need to carry a balance initially, this card also provides an introductory APR of 0% for the first 12 months on purchases, allowing for interest-free spending during the introductory period.

Foreign Transaction Fees

For travelers who frequently go abroad, the KeyBank Platinum Travel Rewards credit card charges no foreign transaction fees. This means that cardholders can use their card internationally without incurring extra charges, making it an ideal choice for global travelers.

Balance Transfer Options

When it comes to balance transfer options, cardholders may take advantage of a promotional 0% APR for 12 months on balance transfers made within the first 60 days (with a 3% fee), providing an opportunity to consolidate debt without accruing interest during that time.

Additional Fees

While the card boasts numerous benefits, it’s important to note other additional fees. Late payments can incur a fee of up to $39, and cash advances are subject to a fee of either $10 or 3% of the amount of each cash advance, whichever is greater.

Card Benefits and Perks

Cardholders will enjoy a host of valuable benefits and perks including complimentary travel insurance, trip cancellation insurance, and access to a 24/7 concierge service. Furthermore, the card includes access to special travel experiences and upgrades, ensuring cardholders can enhance their journeys.

Customer Protections and Insurance

KeyBank provides extensive customer protection policies with this card. Cardholders can benefit from purchase protection, travel accident insurance, and extended warranty coverage on eligible items, which provides peace of mind when making purchases or planning travel.

Eligibility and Credit Score Requirements

To apply for the KeyBank Platinum Travel Rewards credit card, applicants should have a credit score in the range of 700 or higher. This ensures that those with good to excellent credit can take full advantage of the card’s offerings.

Introductory Offers

As previously mentioned, in addition to the introductory 0% APR on purchases for the first year, the card also has various offers throughout the year, which can be beneficial for new customers aiming to maximize their rewards.

Special Features or Unique Selling Points

One of the unique selling points of the KeyBank Platinum Travel Rewards card is its robust travel perks, including potential access to special hotel rates and travel deals that are not available to non-cardholders, thereby enhancing the overall travel experience.

How to Apply

Those interested in this extraordinary card can easily apply for it through the ‘>Official Website or explore additional Financial Insights.

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