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earn up to 2% cash back on the things you already buy every day. and earn a $150 bonus.1

You’re invited to apply for a Key Cashback® credit card.

Accept Offer

Key Cashback Credit Card Benefits

2% Cash Back on Every Purchase

when you bank and save with Key.2 (Even if you do not meet the criteria, you will still earn 1.5% on all eligible purchases.)

No Annual Fee3

which gives you even more savings power.

0% Introductory APR

for the first 12 monthly billing cycles on balance transfers4 when the balance is transferred within the first 60 days of account opening. After that, the APR on balance transfers will be 13.99% to 22.99% based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.

A $150 Bonus

after you spend $1,000 in the first 60 days.1

You’re Invited to Apply

This offer is valid only for the name indicated on the letter or email and is nontransferable.

Accept Online Find a Branch

Subject to credit approval.

1

The introduction 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 $150 bonus, you must spend at least $1,000 on qualifying purchases with this credit card within 60 days of account opening. Exclusions apply. See terms and conditions at Terms and Conditions.

2

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. We will determine whether you have met the bank and save criteria on the last Monday of each calendar month. This is calculated from the immediately preceding Saturday and is based on your deposit and balance activity over the thirty (30) days prior. 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.

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 and may be found at Terms and Conditions.

3

The APRs may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 13.99% to 22.99% (depending on your creditworthiness). The variable APR for Cash Advances is 23.99%. Cash Advance fee: 5%, $10 minimum. Convenience Check fee: 4%, $10 minimum. Cash Equivalent fee: 5%, $10 minimum. Overdraft Protection Transfer fee: $10. Balance Transfer fee: 4%, $10 minimum. 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.

4

The 0% introductory APR does not apply to cash advances or purchases and is valid for the first 12 billing cycles on balance transfers. Thereafter, the APR may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 13.99% to 22.99% (depending on your creditworthiness). Balance transfers must be made within 60 days of account opening for introductory APR to apply. 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.

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.