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this season, make sure your gifts keep on giving.

Holiday cheer comes with up to 2% cash back.

Apply Now

Key Cashback® Credit Card

Earn up to 2% cash back on whatever you buy with your Key Cashback credit card, with qualifying KeyBank checking and savings accounts.

Up to 2% Cash Back

When you have KeyBank savings and checking or investment accounts that meet balance and deposit requirements. If not, you still earn 1.5%!1

$0 Annual Fee2

You won’t pay an annual fee for your Key Cashback credit card.

0% Intro APR

For the first 12 billing cycles on balance transfers made in the first 60 days.3 (13.99% - 22.99% thereafter based on creditworthiness).4 Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.

Features and Benefits

Up to 2% cash back when you bank and save with KeyBank.

Qualify with a KeyBank checking account with at least $1,000 in monthly deposits (excludes transfers and deposits to health savings accounts); and a savings or investment account with a minimum daily balance of $1,000.

Always earn at least 1.5% cash back on eligible purchases.

You’ll always be rewarded with this card, so any month you don’t meet Key’s bank and save requirements, you’ll still receive 1.5% cash back.1

Redeem your cash back easily.

Take your rewards as a statement credit, pay yourself back for purchases already made, or make direct deposits to a KeyBank checking or savings account.5

Secure and easy to use.

Check out quickly and securely with contactless, tap and go® technology.

All the benefits of Mastercard®

Your Key Cashback credit card comes with ID TheftProtection™, Mastercard® Zero Liability Protection and more.


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. See Terms and Conditions, which are subject to change.


Please see the rates and fees table for the costs associated with this credit card.


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 13.99% to 22.99% (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 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. Balance Transfer fee: 4%, $10 minimum. Overdraft Protection Transfer fee: $10. 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.


Statement credits appear on your bill as an adjustment and not as a payment. You are required to make your minimum payment due each month. Receipt of a statement credit does not affect your responsibility to pay your minimum payment shown on each statement you receive from KeyBank.

This page contains Mastercard benefits available for new credit card clients. If you already have a KeyBank credit card, your Mastercard benefits may be different from those listed above. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.

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.

View the Cardmember Agreement and Rewards Terms and Conditions for full terms of the offer.

All credit products are subject to credit approval.

NMLS# 399797