No annual fee. 0% introductory APR on purchases for six billing cycles. 0% introductory APR on balance transfers for six billing cycles for transfers made within 60 days of account opening. Earn 5 KeyBank Relationship Rewards points for every $1 in eligible purchases (with no cap). Monthly reward points bonus of up to 50%. Offer available in states: AK, CO, ID, IN, ME, MI, NY, OH, OR, UT, VT, or WA.