KeyBank Key Cashback Credit Card
By Alex Compton · Last verified
1% that becomes 2% if you actually use your KeyBank checking account.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2024-01 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 2xAll purchases with relationshipRequires a KeyBank checking account with 5+ qualifying transactions per month; 1% without
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Unlimited earn with no caps
- ✦0% intro APR on balance transfers for 12 months
Why it earns its spot
- +Relationship 2% matches the best flat-rate cards
- +No annual fee
Where it costs you
- −Drops to 1% the month you miss the checking activity requirement
- −Only available in KeyBank's 15-state footprint
- −No welcome bonus and a 3% FTF
The Compound Verdict
A conditional 2% card. If your daily checking already lives at KeyBank the rate is real and competitive; for everyone else the unconditional 2% cards make this hoop pointless.
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