KeyBank Key Cashback Credit Card
By Alex Compton · Last verified
1% that becomes 2% if you actually use your KeyBank checking account.
Welcome Bonus
None
No welcome offer; 0% intro APR for 12 billing cycles on balance transfers made in the first 60 days
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.
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 |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer; 0% intro APR for 12 billing cycles on balance transfers made in the first 60 days | KeyBank Key Cashback product page → |
| 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 ledger- confirmed
1% or 2% with 5+ monthly KeyBank checking transactions, $0 fee, 0% BT 12 billing cycles, no welcome offer confirmed
KeyBank Key Cashback product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Embed this chart on your site (free, with attribution)
Bloggers and journalists: paste this snippet to embed the live, auto-updating bonus history chart. Attribution to Credit Compound is included in the widget.
Earning Rates
- 2xAll purchases with relationshipRequires a KeyBank checking account with 5+ qualifying transactions per month; 1% without
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.