Points · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
KeyBank Key2More Rewards is a no-annual-fee points card from KeyBank. It earns 5x on every purchase with no categories to track. Rewards are Key2More points that only spend inside that program, so we value them at about 0.2¢ each.
On our reference budget of $24,600 a year it returns about $246, an effective 1% back.
Get it if you already fly or stay with Key2More often enough to use the perks. A general travel card earns points that go more places. It charges 3% on foreign purchases, so leave it home when you travel abroad.
No welcome bonus is stored for this catalog entry yet.
KeyBank adds nothing beyond the World Mastercard benefits below.
These come from Mastercard, not from KeyBank. Every card on the World Mastercard tier carries them, so they should not decide between two cards.
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Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Key2More Rewards®This card · 5x on everything | None | $246 | +$246 | 788th of 1,291 |
| Key Cashback®KeyBank's most-held other card · 1.5% on everything | None | $369 | +$369 | 493rd of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
