When you bank and save with Key.1 Even if you don't, you will still earn 1.5% cash back. Unlimited earnings with no category restrictions or complicated rules.
Which gives you even more savings power.2
On balance transfers made within the first 60 days of account opening. After that, the variable APR on balance transfers will be 21.49% to 28.49% based on creditworthiness. To avoid paying interest on purchases, you must pay your entire balance by the due date each month.3
Subject to credit approval.
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.
The APRs may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 21.49% to 28.49% (depending on your creditworthiness). The variable APR for Cash Advances is 28.49%. 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: $0. 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.
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 21.49% to 28.49% (depending on your creditworthiness). Balance transfers must be made within 60 days of account opening for introductory APR to apply.