earn cashback on every purchase, always.
Earn up to 2%1 unlimited cashback every time you shop — no limits, no categories, no expiration.
Earn cashback just by shopping for the things you normally buy.
Active KeyBank checking account holders who make 5 qualifying transactions each month earn up to 2% on every purchase with the Key Cashback® credit card. There are no limits to your cashback, plus this card has no annual fee.2
How to Earn up to 2% Cashback
- Make at least 5 qualifying transactions each month with your KeyBank checking account.
- If you don’t qualify for 2% cashback, no worries — you’ll still earn unlimited 1% cashback on every purchase.1
See how quickly your cashback adds up.
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 key.com for specific terms and conditions, or visit any KeyBank branch to discuss what products may be appropriate for you.
- Get 0% intro APR for the first 12 billing cycles on balance transfers made within the first 60 days.
- After that, the variable APR of 20.49% to 27.49% will apply, based on your credit worthiness.2
More KeyBank Cashback Credit Card Benefits
Enjoy the safety and convenience that come with being part of the Mastercard® network:
Security Features
- Stay protected from fraudulent purchases with Zero Liability Fraud Protection3
- Quickly lock and unlock a misplaced card
- Get proactive monitoring with Mastercard ID Theft Protection™4
Stay Connected
Apply Online or at a Branch Near You
You can apply online in about 5 minutes.
You’ll need your Social Security number and a valid form of primary identification, like a driver’s license, passport, or government-issued ID with photo and signature.
1
To be eligible for 2% in Cashback Rewards, you must have an eligible open KeyBank consumer checking account (excluding a health savings account) with 5 or more qualifying transactions posted to that same checking account in a calendar month. Qualifying transactions include, but are not limited to, point of sale transactions, bill payment(s), ATM transactions, check, cash, or direct deposits, and electronic funds transfers. Qualifying transactions exclude balance transfers, convenience check transactions, overdraft protection transfers, quasi cash transactions, adjustments, cash advances, reversals, refunds, account to account transfers, person to person transfers, interest, service charges, and fees of any kind. You may also be eligible for 2% with an open eligible Key Private Bank checking account. On the fourth business day of each month (“Evaluation Date”), we will determine whether you are entitled to earn 2% cash back by meeting the eligibility criteria during the prior month. Your 2% earnings will start on this date and apply until your next monthly evaluation (on the fourth business day of the following calendar month). New card accounts will receive at least a full calendar month at the 2% cash back rate prior to the first Evaluation Date. You will receive a grace period for the first month in which you do not meet the eligibility criteria. If you do not meet the eligibility criteria during the grace period, your rate for the month immediately following the grace period will be 1%, beginning on the Evaluation Date. Returns will reduce your cash back balance. See the Key Cashback® Credit Card Terms & Conditions for full details, which are subject to change and may be found at www.key.com/personal/credit-cards/key-cashback-terms-conditions.html
2
The purchase APR is variable, based on the Prime Rate and will be 20.49% to 27.49% (based on creditworthiness). The variable APR for Cash Advances is 27.49%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee and Balance Transfer fee: Either $10.00 or 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 $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.
3
Please see terms and conditions which can be found at mastercard.us/zeroliability.
4
Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits that can be found at https://mastercardus.idprotectiononline.com/legal/terms-and-conditions. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
5
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.
6
Message and Data rates may apply from your wireless carrier.
The 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.