earn up to 2% cash backevery day, everywhere and get $2

earn up to 2% cash backevery day, everywhere and get $2

earn up to 2% cash backevery day, everywhere and get $2

earn up to 2% cash backevery day, everywhere

your everyday purchases now could earn you double cash back.1

Key Cashback® Credit Card Benefits

Up to 2% Cash Back on Every Purchase

when you bank and save with Key. Whether you’re fueling up for your commute or a road trip, buying groceries or treating yourself to take out, or booking a flight to explore a new destination, you can earn on all of your purchases. And even if you don’t meet the 2% cash back criteria, you will still earn 1.5% on all eligible purchases.1

No Annual Fee3

which gives you even more savings power.

0% Introductory APR

for the first 12 monthly billing cycles on balance transfers4 when the balance is transferred within the first 60 days of account opening. After that, the variable APR on balance transfers will be 19.24% to 26.24% based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.

A $ Bonus

after you spend $1,000 in the first 60 days.

Key Cashback® Credit Card Benefits

Up to 2% Cash Back on Every Purchase

when you bank and save with Key. Whether you’re fueling up for your commute or a road trip, buying groceries or treating yourself to take out, or booking a flight to explore a new destination, you can earn on all of your purchases. And even if you don’t meet the 2% cash back criteria, you will still earn 1.5% on all eligible purchases.1

No Annual Fee3

which gives you even more savings power.

0% Introductory APR

for the first 12 monthly billing cycles on balance transfers4 when the balance is transferred within the first 60 days of account opening. After that, the variable APR on balance transfers will be 19.24% to 26.24% based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.

A $ Bonus

after you spend $1,000 in the first 60 days.

Key Cashback® Credit Card Benefits

Up to 2% Cash Back on Every Purchase

when you bank and save with Key. Whether you’re fueling up for your commute or a road trip, buying groceries or treating yourself to take out, or booking a flight to explore a new destination, you can earn on all of your purchases. And even if you don’t meet the 2% cash back criteria, you will still earn 1.5% on all eligible purchases.1

No Annual Fee3

which gives you even more savings power.

0% Introductory APR

for the first 12 monthly billing cycles on balance transfers4 when the balance is transferred within the first 60 days of account opening. After that, the variable APR on balance transfers will be 19.24% to 26.24% based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.

A $ Bonus

after you spend $1,000 in the first 60 days.

Key Cashback® Credit Card Benefits

Up to 2% Cash Back on Every Purchase

when you bank and save with Key. Whether you’re fueling up for your commute or a road trip, buying groceries or treating yourself to take out, or booking a flight to explore a new destination, you can earn on all of your purchases. And even if you don’t meet the 2% cash back criteria, you will still earn 1.5% on all eligible purchases.1

No Annual Fee2

which gives you even more savings power.

0% Introductory APR

for the first 12 monthly billing cycles on balance transfers3 when the balance is transferred within the first 60 days of account opening. After that, the variable APR on balance transfers will be 19.24% to 26.24% based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.

Key Cashback® Credit Card Benefits

Earn up to 4% Cash Back on Purchases1

on every eligible $1 spent within the first 120 days of account opening, on up to $10,000 spent, then 2% cash back1 on all purchases. To be eligible, you must have a KeyBank checking account and make at least $1,000 in deposits per month, and a KeyBank savings or investment account with a minimum daily balance of $1,000. Don’t meet the requirements? You’ll always be rewarded with this card and receive 1.5%1 cash back on purchases.

No Annual Fee2

which gives you even more savings power.

0% Introductory APR

for the first 12 monthly billing cycles on balance transfers3 when the balance is transferred within the first 60 days of account opening. After that, the APR on balance transfers will be 19.24% to 26.24% based on creditworthiness. Avoid being charged interest on purchases when you pay your entire balance (including balance transfer) by the due date each month.

You’re Preapproved5

This offer is valid only for the name indicated on the letter or email and is nontransferable. To accept this offer, use the reservation number from your letter or email when you apply online or in a branch.

You’re Preapproved5

This offer is valid only for the name indicated on the letter or email and is nontransferable. To accept this offer, use the reservation number from your letter or email when you apply online or in a branch.

You’re Preapproved5

This offer is valid only for the name indicated on the letter or email and is nontransferable. To accept this offer, use the reservation number from your letter or email when you apply online or in a branch.

You’re Preapproved4

This offer is valid only for the name indicated on the letter or email and is nontransferable. To accept this offer, use the reservation number from your letter or email when you apply online or in a branch.

You’re Preapproved4

This offer is valid only for the name indicated on the letter or email and is nontransferable. To accept this offer, use the reservation number from your letter or email when you apply online or in a branch.

Subject to credit approval.

1

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 Cashback earn 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.

2

The introduction bonus may not be available to either (i) current Key Cashback cardmembers, or (ii) previous Key Cashback cardmembers who received a new cardmember bonus within the last 18 months. To qualify for the $ bonus, you must spend at least $1,000 on qualifying purchases with this credit card within 60 days of account opening. Exclusions apply. See terms and conditions at Terms and Conditions.

3

The APRs may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 19.24% to 26.24% (depending on your creditworthiness). The variable APR for Cash Advances is 26.24%. 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.

4

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 19.24% to 26.24% (depending on your creditworthiness). Balance transfers must be made within 60 days of account opening for introductory APR to apply.

5

Key selected you to receive this offer based on information contained in your credit report that indicated you satisfied our pre-existing credit criteria. In the event you accept this offer, Key will confirm your qualification by verifying your information and that you continue to satisfy the pre-existing credit criteria used in your selection. Credit may not be extended if you do not continue to satisfy this pre-existing criteria and our other creditworthiness criteria. Your APRs and your credit limit will be determined based on creditworthiness.

Subject to credit approval.

1

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 Cashback earn 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.

2

The introduction bonus may not be available to either (i) current Key Cashback cardmembers, or (ii) previous Key Cashback cardmembers who received a new cardmember bonus within the last 18 months. To qualify for the $ bonus, you must spend at least $1,000 on qualifying purchases with this credit card within 60 days of account opening. Exclusions apply. See terms and conditions at Terms and Conditions.

3

The APRs may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 19.24% to 26.24% (depending on your creditworthiness). The variable APR for Cash Advances is 26.24%. 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.

4

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 19.24% to 26.24% (depending on your creditworthiness). Balance transfers must be made within 60 days of account opening for introductory APR to apply.

5

Key selected you to receive this offer based on information contained in your credit report that indicated you satisfied our pre-existing credit criteria. In the event you accept this offer, Key will confirm your qualification by verifying your information and that you continue to satisfy the pre-existing credit criteria used in your selection. Credit may not be extended if you do not continue to satisfy this pre-existing criteria and our other creditworthiness criteria. Your APRs and your credit limit will be determined based on creditworthiness.

Subject to credit approval.

1

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 Cashback earn 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.

2

The introduction bonus may not be available to either (i) current Key Cashback cardmembers, or (ii) previous Key Cashback cardmembers who received a new cardmember bonus within the last 18 months. To qualify for the $ bonus, you must spend at least $1,000 on qualifying purchases with this credit card within 60 days of account opening. Exclusions apply. See terms and conditions at Terms and Conditions.

3

The APRs may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 19.24% to 26.24% (depending on your creditworthiness). The variable APR for Cash Advances is 26.24%. 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.

4

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 19.24% to 26.24% (depending on your creditworthiness). Balance transfers must be made within 60 days of account opening for introductory APR to apply.

5

Key selected you to receive this offer based on information contained in your credit report that indicated you satisfied our pre-existing credit criteria. In the event you accept this offer, Key will confirm your qualification by verifying your information and that you continue to satisfy the pre-existing credit criteria used in your selection. Credit may not be extended if you do not continue to satisfy this pre-existing criteria and our other creditworthiness criteria. Your APRs and your credit limit will be determined based on creditworthiness.

Subject to credit approval.

1

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 Cashback earn 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.

2

The APRs may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 19.24% to 26.24% (depending on your creditworthiness). The variable APR for Cash Advances is 26.24%. 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.

3

The 0% introductory APR does not apply to cash advances 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 19.24% to 26.24% (depending on your creditworthiness). Balance transfers must be made within 60 days of account opening for introductory APR to apply.

4

Key selected you to receive this offer based on information contained in your credit report that indicated you satisfied our pre-existing credit criteria. In the event you accept this offer, Key will confirm your qualification by verifying your information and that you continue to satisfy the pre-existing credit criteria used in your selection. Credit may not be extended if you do not continue to satisfy this pre-existing criteria and our other creditworthiness criteria. Your APRs and your credit limit will be determined based on creditworthiness, with a minimum assigned credit line amount of $1,000.

All credit products are subject to credit approval.

1

The 4% cashback offer is only valid on up to $10,000 spent during the first 120 days after account opening. To be eligible for the 4% or 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 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.

2

The APRs may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 19.24% to 26.24% (depending on your creditworthiness). The variable APR for Cash Advances is 26.24%. 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.

3

The 0% introductory APR does not apply to cash advances 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 19.24% to 26.24% (depending on your creditworthiness). Balance transfers must be made within 60 days of account opening for introductory APR to apply.

4

Key selected you to receive this offer based on information contained in your credit report that indicated you satisfied our pre-existing credit criteria. In the event you accept this offer, Key will confirm your qualification by verifying your information and that you continue to satisfy the pre-existing credit criteria used in your selection. Credit may not be extended if you do not continue to satisfy this pre-existing criteria and our other creditworthiness criteria. Your APRs and your credit limit will be determined based on creditworthiness, with a minimum assigned credit line amount of $1,000.

The creditor and issuer is KeyBank N.A., pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.