The key card is dropped at the end of the scooter chase. It is used much later in the game.
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There is no key. Go upstairs to find the painting.
The Black Widow key card is dropped by the art thief (shady guy) when he makes his escape by boat.
The red card dropped by the Black Widow is a key card that opens the vault in her underground lair. If you return to the museum after picking up the card, you will receive a package that takes you to another island, to enable you to find the missing painting.
You can't find the key. Eventually it will just be given to you in the course of the game.
The keys on Counterfeit Island :The Supply Room - pass the forgery test trainingThe Inspector cottage - from the lady curator (late in the game)The dragon face lock - collect the six picture piecesThe Black Widow's door - you get the key card in the chase