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You are here: Home / Credit Cards / Key Cashback® Credit Card

Key Cashback® Credit Card

August 16, 2022 by Gail Kellner

The Key Cashback® Credit Card is a cash back card designed for customers who want to earn a straight 2% cash back on purchases. However, there is a catch: to earn the 2% cash back, you have to have either a checking account with Key Bank and at least $1,000 in monthly deposits or a savings or investment account with a minimum daily balance of $1,000. You can open a Key Cash Back Card without a Key account, but you’ll earn 1.5% cash back on purchases. Either way, there’s no limit on how much you can earn, and no categories to worry about. We dive into the details and your approval odds in this Key Card review.

Key Cashback® Credit Card
Learn More
Our Rating
4.0/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
None
Rewards Rate
1.5% to 2% Cash Back
0% on Balance Transfers
12 Months

Rewards

2% cash back
All eligible purchases
2% cash back for clients who bank and save with Key.
1.5% cash back
All eligible purchases
1.5% cash back on purchases.

Pros & Cons

Pros
  • No annual fee
  • Up to 2% cash back
Cons
  • No welcome bonus
  • Foreign transaction fee

Features & Benefits

SecurityCredit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsFree credit score access, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of each foreign purchase transaction in U.S. dollars.
Regular APR19.24% to 26.24% (V) APR

0% Intro APR

Balance Transfers0% Intro APR for 12 months on balance transfers, then 19.24% to 26.24% (V) APR after that.

What Credit Score Is Required to Get the Key Card

Based on data we’ve collected from public forums, a credit score of 670 or higher is ideal. But keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved01/18/2020
773
Equifax
$32,500
Approved03/08/2021
794
Equifax
---

What Are the Best Alternatives?

Citi® Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Read Review
Wells Fargo Active Cash Card
Wells Fargo Active Cash Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

Read Review
Citi Custom Cash Card
Citi Custom Cash Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Read Review

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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