Get all the benefits of Cashback with no annual fee.

Earn 2% cash back1 on every purchase

If you have a KeyBank checking account with at least $1,000 in monthly deposits and a KeyBank savings or investment account with a minimum daily balance of $1,000, you’ll automatically earn 2% on every purchase.

Earn 1.5% cash back on every purchase

If you don’t qualify to earn 2%, you’ll still automatically earn 1.5% on every purchase.1 There’s no need to enroll, no categories, no expiration dates, and no limits on how much cash back you can earn.

0% Introductory APR2

0% APR is for 12 months on balance transfers made in the first 60 days from account opening. After that, the APR on balance transfers will be 21.49% to 28.49% based on creditworthiness.3

Easily redeem your cash back any time

Manage your card and redeem your cash back anytime in online banking or the mobile app.

Enjoy these perks that come with being part of the Mastercard® network


  • Identity Theft Protection™
  • Zero Liability Protection
  • Master Rental Coverage
  • Mastercard Global Services™

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.


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 21.49% to 28.49% (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.


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 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.

All credit products are subject to credit approval.