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Start saving, even when you spend. Use the Key Cashback credit card to earn at least 1.5% cash back on every purchase, and 2% when you bank and save with Key1. Financial progress just got a little easier.

Overview

Cash Back

1.5% cash back on purchases; 2% cash back for clients who bank and save with Key.1

Bonus

$100 bonus when you make $500 in purchases in the first 60 days.2

Annual Fee

$03

Introductory Balance Transfer APR

0% for the first 12 billing cycles on balance transfers made in the first 60 days. After that, your APR on balance transfers will be 16.24% to 25.24% based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.4

Regular Purchase APR

16.24% to 25.24% based on creditworthiness5

Balance Transfer Fee

$10.00 or 3% of the amount of each transaction, whichever is greater.

Late Payment Fee

Up to $39

Overdraft Protection Transfer Fee

$10

Minimum Interest Charge

$0.50

Features and Benefits

  • Earn unlimited 2% cash back on purchases when you bank and save with KeyBank. To qualify, you must have both a KeyBank:
    • Checking account with $1,000 each month in deposits (this excludes deposits to health savings accounts and transfers between KeyBank accounts), and
    • Savings or investment account with a minimum daily balance of $1,000.
  • Always earn at least 1.5% cash back. You’ll always be rewarded with this card, so any month you don’t meet KeyBank’s bank and save requirements, you’ll still receive 1.5% cash back.1
  • Redeem your cash back as a statement credit, pay yourself back for purchases already made, or direct deposit in to a KeyBank checking or savings account.6
  • Contactless iconContactless – Just tap and go®.

Online & Mobile Banking

Manage your account anytime, anywhere with our secure online and mobile banking.

Security

Quickly and easily lock a missing credit card, or report your card lost or stolen.

Account Alerts

Set up account alerts to have KeyBank notify you when certain activities happen on your account.

Frequently Asked Questions

How do I earn cash back?

You can earn cash back by making eligible purchases on your Key Cashback credit card.1 You will begin earning cash back once you have activated your card and begin making eligible purchases.

See the complete Terms and Conditions for more details.

How do I qualify for 2% cash back with the Key Cashback card?

You must bank and save with KeyBank, meaning you need to have a KeyBank checking account with $1,000 in deposits per month (this excludes deposits to health savings accounts and transfers between KeyBank accounts), and a KeyBank savings or investment account with a minimum daily balance of $1,000.1

What if I don’t have both a KeyBank checking and savings account, or don’t meet the deposit or balance requirements?

With the Key Cashback card, you’ll earn 1.5% cash back on all your eligible purchases when you don’t meet the deposit or balance requirements.

On the last Monday of each month, we’ll review your deposit and balance activity for the month and see if you’ve met the bank and save criteria. If you did, you’ll earn 2% cash back. If not, your rate for the following calendar month will be 1.5%.

Is there a maximum amount of cash back I can earn?

No. There is no limit to the amount of cash back you can earn on eligible purchases.

Are there any types of card transactions excluded from earning cash back?

Yes, you’ll earn cash back on purchases only. This excludes transactions including, balance transfers, cash advances, ATM disbursements, person-to-person money transfers, convenience checks, account interest, unauthorized or fraudulent charges, any fees, returns or credits.

Do my Cashback Rewards expire?

No, your Cashback Rewards do not expire.

Is there an annual fee?

No, there is no annual fee3 on your Key Cashback credit card.

How can I redeem my cash back?

You can redeem your cash back online 24/7 by logging in to your online banking account or by calling 1-800-KEY2YOU® (1-800-539-2968). For clients using a TDD/TTY device, please call 1-800-539-8336.

Your cash back can be redeemed in one of the following ways:

  • Direct Deposit: You can have cash back deposited into a KeyBank checking or savings account
  • Statement Credit: Apply your cash back as a statement credit to your Key Cashback credit card account. A statement credit will reduce your balance but it will not count as a payment. You’ll still be required to make your monthly minimum payment.
  • Pay Me Back: Select up to three transactions from the past 90 days to redeem as a credit to your account. The redemption will reduce your balance but will not count as your monthly minimum payment.

Please note, redemptions will post to your account within 7 business days.

Who can I contact if I have difficulty accessing my account online, redeeming my cash back, or have further questions about the rewards program?

Call the number on the back of your Key Cashback credit card:1-800-KEY2YOU (1-800-539-2968). For clients using a TDD/TTY device, please call 1-800-539-8336.

Exclusive Key Cashback Credit Card Benefits

Enjoy these perks that come with being part of the Mastercard® network:

Protect Your Credit

Identity Theft Resolution Services

If you become the victim of identity theft, we are here to help you and provide:

  • Credit bureau notification
  • Credit card replacement
  • ID Theft Affidavit
  • Additional resolution services

Travel and Entertainment Assistance

Mastercard® Travel Services™

We provide exclusive travel benefits like hotel room upgrades, complimentary amenities and other valuable extras.

MasterRental® Coverage

Pays for covered damages, like physical damage and theft, to a rental vehicle when you use your eligible Mastercard to initiate and pay for the entire rental transaction.

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Disclosures

1

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% cashback 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.

2

The introductory bonus may not be available to either (i) current Key Cashback cardmembers, or (ii) previous Key Cashback cardmembers who received a new cardmember bonus within the last 18 months. To qualify for the $100 bonus, you must spend at least $500 on qualifying purchases with this credit card within 60 days of account opening.

3

Please see the rates and fees table for the costs associated with this credit card.

4

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 16.24%– 25.24% (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.

5

The APRs may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 16.24% to 25.24% (depending on your creditworthiness). The variable APR for Cash Advances is 26.24%. Cash Advance fee: 4%, $10 minimum. Convenience Check fee: 3%, $10 minimum. Cash Equivalent fee: 4%, $10 minimum. Balance Transfer fee: 3%, $10 minimum. Overdraft Protection Transfer fee: $10. There is a $0.50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of each foreign purchase transaction in U.S. dollars. Transactions originating in Canada are excluded from this fee. Refer to Terms and Conditions.

6

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.

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.

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

Apple Pay, TouchID and iPad mini are trademarks of Apple Inc. iPhone, iPad Air, Passbook, iSight and iTunes are registered trademarks of Apple Inc. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.

View the Cardmember Agreement and Rewards Terms and Conditions for full terms of the offer.

All credit products are subject to credit approval NMLS#399797.

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Clients using a TDD/TTY device:
1-800-539-8336

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