Key Cashback Credit Card
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Mastercard
- Regular purchase APR
- 22.24% to 29.24% variable based on creditworthiness and the Prime Rate
At a glance
For anyone who wants a no-frills, easy-to-use cash back credit card, the Key Cashback Credit Card from Keybank is likely the perfect fit. When you bank with Keybank, you’ll save 2% on all purchases, and you can earn a special one-time $100 introductory bonus after you spend $500 in purchases within the first 60 days.
Our review of the Key Cashback Credit Card
If you’re in the market for a cash back credit card, look no further than the Key Cashback Credit Card. With a generous introductory bonus offer, low APR, and no annual fees, this card is designed to help you save while you spend.
Earn Up to 2% Back
Cardholders can earn up to 2% cash back on every purchase when they bank directly with KeyBank. To qualify for the 2% cash back rate, simply have an active KeyBank checking account with at least $1,000 in deposits each month, and a savings or investment account with a minimum daily balance of $1,000. Even if you don’t meet these requirements, you can still earn a solid 1.5% cash back on all purchases.
Consolidating your banking with KeyBank can lead to significant savings in the long run. Plus, new cardholders can earn a $100 cash back bonus by spending $500 within the first 60 days of opening their account.
A Competitive APR and Bonus 0% APR Offer
While the Key Cashback Credit Card offers a competitive APR for purchases, those with excellent credit can expect an interest rate around 14%. Additionally, new cardholders can take advantage of a 0% APR on balance transfers for the first 12 billing cycles, as long as they are completed within the first sixty days of account opening.
Other Card Features
One of the standout features of the Key Cashback Credit Card is the lack of an annual fee, allowing you to fully enjoy the cash rewards you earn. While there is a small foreign transaction fee for international purchases, you can redeem your cash back as a statement credit, pay yourself back for purchases, or deposit your rewards into a KeyBank account.
Should You Apply for the Key Cashback Credit Card?
Overall, the Key Cashback Credit Card is a perfect fit for current KeyBank customers or those looking to open a new account. While maximizing rewards may require having an open account with the bank, there are still plenty of benefits to be had for all cardholders. Apply for the Key Cashback Credit Card today and start saving on every purchase!
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 1.5% cash back on every purchase, and 2% cash back when you bank and save with Key
- Earn a $100 cash back bonus when you spend $500 or more in the first 60 days of opening your account
- No annual fee
- Enjoy a balance transfer APR of 0% for the first twelve months as an introductory offer
Who this card may suit
- You already bank with Keybank
- You want a card with no annual fees and 0% introductory APR
- You will maximize your rewards potential by using your card often to earn up to 2% cash back
- You will spend $500 in the first 60 days of opening your account to qualify for the $100 bonus
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 22.24% to 29.24% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 12 months on transfers made within 60 days from account opening date |
| Balance Transfer APR | 22.24% to 29.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 4% of the amount of each transaction, whichever is greater |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each transaction, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $40 |
| Over Limit Penalty Fee | $10 Overdraft Protection Fee |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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Key Cashback Credit Card
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