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Cash back
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Everything (flat rate — no bonus categories) | 1.5% | — | No bonus categories — the base rate applies to all spend. |
Up to $200.00
Cash back
$200 bonus after $1,000 in qualifying purchases within 60 days of account opening. Base earn 1.5%, plus up to +0.5% with a KeyBank business checking balance and/or Key Merchant Services.
Uses the reported cash amount at face value. Excludes additional components, matches, annual fees, and the cost of meeting qualifying spend. This is not a purchase reward rate.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
KeyBank business application rules
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Terms taken from KeyBank's own card page (key.com), Oct 2026.
Offer type, as listed: Public