KeyBank offers a range of credit cards, from cashback and rewards cards to low-interest options. Whether you’re looking to earn points or manage balances, your approval depends on more than just your credit score.
To give yourself the best shot, it helps to know what credit score is typically required—and what other parts of your financial profile matter.
Recommended Credit Score for a KeyBank Credit Card
Most approved applicants have a credit score of 640 or higher, which lands in the “fair” range. That said, your credit score alone won’t decide the outcome. KeyBank will also review your income, existing debt, payment history, and recent credit activity.
If your score is on the lower end, you’ll want to strengthen other parts of your financial profile. Paying down debt, making on-time payments, and avoiding new credit applications before you apply can all work in your favor.
How to Improve Your Chances of Approval
Here are some ways to make your application stand out and increase your odds:
Check Your Credit Reports
Before applying, review your credit reports from all three credit bureaus. Look for outdated or incorrect items that could be dragging down your score.
Keep Your Payment History Clean
Late payments hurt your credit and make lenders nervous. Set up reminders or auto-pay to ensure bills are paid on time every month.
Lower Your Credit Utilization
Try to keep your usage below 30% of your available credit. High utilization suggests you may be overextended, which can reduce your chances of approval.
Limit New Credit Applications
Every time you apply for credit, it creates a hard inquiry. Too many in a short time can lower your score and raise concerns for lenders.
Show Proof of Income
A steady income helps lenders feel confident you can manage your payments. Be prepared to share pay stubs or tax returns if asked.
Strengthen Your Credit Before You Apply
If your credit score is below 640—or if negative marks are hurting your profile—now’s the time to address it. Credit Saint works with clients to challenge inaccurate items on their credit reports, including collections, charge-offs, and late payments.
They even offer a 90-day money-back guarantee, so there’s no risk in seeing how they can help. If you want to boost your chances of getting approved for a KeyBank credit card, visit their website and take the first step today.
