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Key Cashback® Credit Card

Earn up to 2%1 cash back on EVERY purchase, with no annual fee.2

The Key Cashback Credit Card pays you back on all purchases, not just groceries and gas. There are no categories or limitations.

If you spend


per month at 2% cash back, you will earn:



Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Calculators do not include the fees and restrictions that certain products may have. Please visit the applicable banking product pages on for specific terms and conditions, or visit any KeyBank branch to discuss what products may be appropriate for you.


Overview of product features.
Cash Back Rewards

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

Annual Fee


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 17.74% to 24.74% based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.3

Regular Purchase APR

17.74% to 24.74% based on creditworthiness2

Balance Transfer Fee

$10.00 or 4% of the amount of each transaction, whichever is greater.

Late Payment Fee

Up to $40

Overdraft Protection Transfer Fee


Minimum Interest Charge


Features and Benefits

Unlimited 2% cash back rewards when you bank and save with KeyBank
Qualify with a KeyBank checking account with at least $1,000 in monthly deposits (excludes transfers and deposits to health savings accounts) and a 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 Key’s bank and save requirements, you’ll still receive 1.5% cash back on purchases.1

Redeem your cash back easily
Take your rewards as a statement credit, pay yourself back for purchases already made or deposit it in a KeyBank checking or savings account.4

Access to your FICO® Score
Know your credit score. Opt in to view your FICO® Score anytime without impacting your credit score in KeyBank online and mobile banking.5

Secure and easy to use
Check out quickly and securely with contactless Tap and Go® technology.

All the benefits of Mastercard®
Your Key Cashback credit card comes with ID Theft Protection™, Zero Liability Protection and more.

Know your FICO® Score

Opt in to check your FICO® Score for free anytime in online and mobile banking. It’s quick, easy and won’t impact your credit score. To see if yours is available, sign on today.

Sign On

Online & Mobile Banking

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


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 rewards?

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

Remember, you’ll earn on purchases only, not on all transactions. So balance transfers, cash advances, ATM disbursements, person-to-person money transfers, convenience checks, account interest, unauthorized or fraudulent charges, fees, returns or credits do not count toward your cash back. Returns will reduce your cash back balance using the earn rate that is in place on the effective date of the return.

For more details, see the complete Terms and Conditions.

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

To qualify for 2% cash back, you must bank and save with KeyBank. That means 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 KeyBank checking and savings accounts?

You can be a Key Cashback Mastercard® credit card cardholder even if you do not have other accounts with KeyBank. You’ll always earn 1.5% cash rewards for your credit card purchases each month, even if you don’t meet the bank and save requirements to earn 2%.

What if I have the KeyBank checking and savings or investments accounts, but don’t meet the balance or deposit requirements?

Don’t worry, you’ll still earn 1.5% on your purchases for that month. It is possible that you have the right accounts, but don’t meet the deposit or balance requirements every month. Your monthly cash rewards rate is evaluated on the last Monday of each month. That’s when KeyBank reviews your deposit and balance activity for the month to see if you’ve met our bank and save criteria. If you have, you earn 2% cash back. If not, your rate for the following calendar month will be 1.5%.

Where can I see which rate I’m earning?

You can find your earnings rate for specific months and transactions on the rewards site in KeyBank online and mobile banking.

To get to the rewards site, sign on to KeyBank online or mobile banking and go to Account Summary > Rewards > Cashback Rewards Balance OR go to Credit Card Account Financial Details > Rewards > Redeem Cashback Rewards.

From the rewards site, you can select Account Activity to view your purchases and other related rewards activity. The information displayed for each purchase can be expanded in greater detail to show the earn rate applied.

The rewards website shows that I earned 1.5% on some purchases and 2% on others in the same statement. Why?

The rate you earn, either 1.5%, or 2%, is effective for a calendar month. However, credit card accounts cycle at various times throughout a month, so one statement can include activity across months.

Say your earn rate was 2% in September and 1.5% in October, and your account cycles on the 23rd of each month. Your October statement would include transactions posted from Sept. 24 – 30 at 2%, and transactions posted from Oct. 1 – 23 at 1.5%.

Also, the cash back rewards you earn for each purchase are based on the earn rate in effect when the transaction posts to the account, not the earn rate in effect when the transaction was authorized. That means it’s possible that a transaction authorized when the earn rate was 2% may post to the account when the earn rate is 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 your purchases.

Do my cash back rewards ever expire?

No, your cash back rewards do not expire.

Is there an annual fee for the Key Cashback credit card?

No, there is no annual fee2 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.

There are three ways to use your cash back:

  • 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 won’t 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 questions or need help with my online account or redemption?

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:

Peace of Mind

Your card's benefits will protect you against everything from online identity theft to fraudulent purchases. It's peace of mind for the things most likely to create headaches.

Identity Theft Protection™

Identity theft hurts, but Mastercard can help—for no extra cost. From scouring the internet to see if your personal info is being sold to helping you clear your name with credit rating agencies, we are there for you 24/7. Simply visit or call 1-800-MASTERCARD.

Zero Liability Protection

Have peace of mind knowing that you are protected against fraudulent purchases in-store, over the telephone, online or on mobile apps— as well as at the ATM. Simply call the number on the back of your card if you suspect any unauthorized activity on your card. Visit for more information.

Travel and Entertainment Assistance

Master Rental® 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. Find out more about Master Rental.

Mastercard Global Services™

Mastercard representatives trained to assist anytime, anywhere with card-related questions. Find out more about Mastercard Global Services.

For more detailed information on Mastercard benefits for your card, call 1-800-MC-ASSIST.


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. Returns will reduce your cash back balance using the earn rate that is in place on the effective date of the return. For example, if you make a purchase that earned 1.5%, and you returned that purchase in a month when you were eligible to earn 2%, your return will be calculated at 2%. See Terms and Conditions, which are subject to change and may be found at Terms and Conditions.


The APRs may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 17.74% to 24.74% (depending on your creditworthiness). The variable APR for Cash Advances is 24.74%. Cash Advance fee: 5%, $10 minimum. Convenience Check fee: 4%, $10 minimum. Cash Equivalent fee: 5%, $10 minimum. Balance Transfer fee: 4%, $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.


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 17.74% to 24.74% (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.


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.


Clients with newly opened credit card accounts may not see their first FICO® Score in online and mobile banking for up to 90 days after enrollment. In certain circumstances, a FICO® Score may not be available for various reasons, e.g., having a limited credit history. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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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