earn cashback on every purchase, always.

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

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.

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 20.49% to 27.49% (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.

Amount: We will process balance transfers up to the amount of your available credit limit. If your available credit limit is less than the total of the balance transfers requested, we may either process a partial balance transfer or decline the transfer. Special Disclosure for Balance Transfers Requested at Account Opening or Before Activation of Your Card: You may cancel a balance transfer request up to 10 days after submitting a credit card application or until your credit card is activated, whichever happens first. We will not process a balance transfer until the expiration of such a waiting period. After that, KeyBank will not cancel any requested balance transfers. Note: At account opening, you may only request up to six balance transfers, and we will only process balance transfers up to 90% of your credit limit

Please see terms and conditions which can be found at mastercard.us/zeroliability.

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.

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.

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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.