Key Cashback^® Credit Card

To be eligible for the 2% cash back, you must have a KeyBank checking account, excluding a health savings account, with $1,000 in aggregate deposits per month, excluding transfers from another KeyBank account, and a KeyBank savings or investment account with a minimum daily balance of $1,000. If you do not meet either of the criteria above after 1 month of your account opening, you will earn 1.5% cash back on all eligible purchases. We will determine whether you have met the bank and save criteria on the last Monday of each calendar month, based on your deposit and balance activity over the thirty (30) days prior to the immediately preceding Saturday. If you have not met the bank and save criteria, your rate for the following calendar month will be 1.5%.

Cash back is awarded based on eligible credit card purchases excluding transactions such as cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers and quasi-cash transactions. See Terms and Conditions, which are subject to change.

Latitude: 0% intro APR for 15 billing cycles on all purchases and balance transfers. After that, the variable APR for purchases and balance transfers is 9.99% to 19.99% (based on creditworthiness). Balance transfers must be made within the first 60 days of account opening for introductory APR to apply. Balance Transfer Fee will be either $10.00 or 3% (effective 7/1, increase to 4%) of the amount of each transaction, whichever is greater.

Key Cashback: 0% introductory APR on balance transfers only for the first 12 billing cycles following account opening when balances are transferred within the first 60 days following account opening. After that, your APR on balance transfers will be 13.99% to 22.99% (based on creditworthiness). If you always pay your balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will lose this grace period if you transfer a balance and do not pay off your entire balance by the payment due date. Even if you pay off all of your purchases in full each month, you will begin to pay interest on those purchases. To avoid interest on purchases, you must pay the entire balance (including the balance transfer amount) each month by the payment due date.

Secured Card: The Secured Card requires the card holder to have funds on deposit in a Key Active Saver^® account in an amount greater than or equal to the assigned credit limit. The credit limit is determined by your creditworthiness and will be in an amount between $300 – $5,000. There is a $0.50 minimum finance charge where interest is due. The annual fee is $0. Foreign Transaction fee: 3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Transactions originating in Canada are excluded from this fee. The monthly maintenance service charge on the Key Active Saver account will be waived for Key Secured Credit Card clients. The monthly maintenance service charge waiver is only valid as long as the Key Secured Credit Card remains open. If you are graduated to an unsecured card or close your Key Secured Credit Card account, the Key Active Saver monthly maintenance service charge of $4.00 may apply, unless you are the owner on a KeyBank consumer checking account (including KeyBank Hassle-Free Account^®).

Key2More: 0% intro APR for 6 billing cycles on all purchases and balance transfers. After that, the variable APR for purchases and balance transfers is 12.99% to 21.99% (based on creditworthiness). Balance transfers must be made within the first 60 days of account opening for introductory APR to apply. Cash Equivalent Fee: 4% (effective 7/1, increase to 5%) of each transaction amount, $10 minimum.

Latitude, Key Cashback and Key2More: The introductory rate does not apply to cash advances. The variable APR for Cash Advances is 23.99%. Cash Advance fee: 4% (effective 7/1, increase to 5%) of each advance amount, $10 minimum. Convenience Check Fee and Balance Transfer Fee: Either $10.00 or 3% (effective 7/1, increase to 4%) of the amount of each transaction, whichever is greater. There is a $0.50 minimum finance charge where interest is due. The annual fee is $0. The Overdraft Protection fee is $10. Foreign Transaction fee: 3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Transactions originating in Canada are excluded from this fee.

Statement credits appear on your bill as an adjustment and not as a payment. You are required to make your minimum payment due each month. Receipt of a statement credit does not affect your responsibility to pay your minimum payment shown on each statement you receive from KeyBank.

Use of the Key Secured Credit Card can help build your credit when the minimum payment is made by the due date, each month.

Eligible purchases do not include cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers or credits. See the KeyBank Rewards Program Terms and Conditions for full details. Monthly bonus points are awarded per credit card account based on the aggregated amount spent per month by all signers linked to the credit card account. Points for $2,000 or more are awarded as an additional 25% bonus to add up to the 50% bonus. Bonuses are based on the total eligible purchase transaction points earned in a calendar month. If your credit limit is less than $2,000 you will need to make payments (in addition to your required payment) throughout the calendar month in order to reach the spend limits required to earn monthly bonus points. To qualify for Reward Points for opening a credit card, you must spend at least $500 on qualifying purchases with this credit card within 60 days of account opening and have a KeyBank checking account open and in good standing. See the KeyBank Rewards Program Terms and Conditions for full details. The KeyBank Rewards Program Terms and Conditions and Points Guide are subject to change and may be found at key.com/rewards.

This page contains Mastercard benefits available for new credit card clients. If you already have a KeyBank credit card, your Mastercard benefits may be different from those listed above. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.

Subject to credit approval.

The creditor and issuer of this credit card is KeyBank N.A., pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.