MastercardKeyBank Key Cashback Credit Card
1% that becomes 2% if you actually use your KeyBank checking account.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
3% FTF
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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xAll purchases with relationship
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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.
Rate this card
Be the first to rate it
Commentson Key Cashback
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.