Key Cashback® Credit Card — KeyBank is a personal credit card from KeyBank. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is 20.74% to 27.74% variable, based on creditworthiness after a 0% introductory rate for 12 months. Rewards: 1% cashback on purchases; up to 2% unlimited cashback with one qualified KeyBank checking account used for 5 or more qualifying transactions a month. This product reports activity to your personal credit report.