If your talking about the Keycard for the subway, you get it from the Construction Workers lunchbox at the construction site.
But if your talking about the Keycard for the crane at the Warf, you get that from the man in the bunker at the Warf if you get him a cup of coffe.
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on a table in the garage
To get spa keycard 1, go to zack binspins lock then enter the number 301 To get spa keycard 3, go to the reception, click on the tiki torch and then go to spa 1 then grab the tiki torch to the fish hanging, then go outside to the swimming pool and then grab the pole you just made and take it to the center of the pool (not to the keycard)
when you get in the tunnel there will be zombies. to get past them shine your flashlight on them. that will make them stop at that spot for a few seconds which will let you to jump over them. to get out, there will be a bunch of zombies in the way.to make them leave you get in th green car and turnthe headlights on.
Press gadget #2 and press X on the waterfall.
it is in the garage in chicagos headquarter you might see something shining on the right table